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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 | $1,090,198 | $180,459+504.1% | $154,108+607.4% | $135,380+705.3% |
| Participation rate | 60.0% | 87.4%-27.4pp | 83.0%-23.0pp | 82.6%-22.6pp |
| Annual return | -2.79% | 888.21%-891.0pp | 735.21%-738.0pp | 519.81%-522.6pp |
| Employer contribution / active EE | $498 | $6,035-91.7% | $5,298-90.6% | $4,779-89.6% |
| Participant deferral / active EE | $13,300 | $5,806+129.1% | $5,081+161.8% | $5,609+137.1% |
| Admin fee / account holder | $0 | $16,145-100.0% | $13,411-100.0% | $10,828-100.0% |