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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 | $273,493 | $96,419+183.6% | $80,648+239.1% | $139,487+96.1% |
| Participation rate | 44.4% | 73.6%-29.2pp | 67.0%-22.6pp | 80.3%-35.9pp |
| Annual return | 10.07% | 1352.86%-1342.8pp | 937.21%-927.1pp | 373.84%-363.8pp |
| Employer contribution / active EE | $963 | $3,261-70.5% | $2,724-64.6% | $4,755-79.7% |
| Participant deferral / active EE | $4,346 | $5,225-16.8% | $4,443-2.2% | $6,713-35.3% |
| Admin fee / account holder | $0 | $6,605-100.0% | $5,382-100.0% | $11,407-100.0% |