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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $316,580 | $183,592+72.4% | $155,574+103.5% | $145,877+117.0% |
| Participation rate | 25.0% | 82.7%-57.7pp | 78.2%-53.2pp | 80.3%-55.3pp |
| Annual return | 22.56% | 61.37%-38.8pp | 64.87%-42.3pp | 551.28%-528.7pp |
| Employer contribution / active EE | $426 | $5,317-92.0% | $4,676-90.9% | $4,663-90.9% |
| Participant deferral / active EE | $4,021 | $6,466-37.8% | $5,629-28.6% | $6,691-39.9% |
| Admin fee / account holder | $0 | $19,316-100.0% | $15,914-100.0% | $13,402-100.0% |