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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $363,180 | $138,114+163.0% | $125,391+189.6% | $134,545+169.9% |
| Participation rate | 50.0% | 84.5%-34.5pp | 82.4%-32.4pp | 81.2%-31.2pp |
| Annual return | 1.50% | 750.88%-749.4pp | 572.41%-570.9pp | 418.37%-416.9pp |
| Employer contribution / active EE | $44,108 | $5,246+740.8% | $4,816+815.9% | $4,742+830.2% |
| Participant deferral / active EE | $25,976 | $7,801+233.0% | $7,448+248.7% | $6,401+305.8% |
| Admin fee / account holder | $0 | $11,570-100.0% | $10,009-100.0% | $11,431-100.0% |