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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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 | $306,240 | $115,810+164.4% | $101,271+202.4% | $158,966+92.6% |
| Participation rate | 42.9% | 79.4%-36.5pp | 75.8%-32.9pp | 82.0%-39.1pp |
| Annual return | 4.32% | 56.15%-51.8pp | 46.48%-42.2pp | 302.95%-298.6pp |
| Employer contribution / active EE | $2,016 | $4,175-51.7% | $3,660-44.9% | $4,762-57.7% |
| Participant deferral / active EE | $6,073 | $4,958+22.5% | $4,371+38.9% | $5,983+1.5% |
| Admin fee / account holder | $0 | $7,248-100.0% | $5,948-100.0% | $11,250-100.0% |