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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $430,166 | $76,634+461.3% | $56,054+667.4% | $145,978+194.7% |
| Participation rate | 8.7% | 63.2%-54.5pp | 52.5%-43.8pp | 80.3%-71.6pp |
| Annual return | 19.59% | 3004.33%-2984.7pp | 1705.95%-1686.4pp | 550.52%-530.9pp |
| Employer contribution / active EE | $80 | $1,380-94.2% | $1,039-92.3% | $4,662-98.3% |
| Participant deferral / active EE | $100 | $2,622-96.2% | $1,952-94.9% | $6,690-98.5% |
| Admin fee / account holder | $24 | $3,321-99.3% | $2,822-99.1% | $13,400-99.8% |