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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 | $291,006 | $150,346+93.6% | $120,524+141.5% | $145,877+99.5% |
| Participation rate | 42.1% | 78.8%-36.7pp | 71.9%-29.8pp | 80.3%-38.2pp |
| Annual return | 13.33% | 154.40%-141.1pp | 107.36%-94.0pp | 551.28%-538.0pp |
| Employer contribution / active EE | $850 | $4,353-80.5% | $3,469-75.5% | $4,663-81.8% |
| Participant deferral / active EE | $8,100 | $6,172+31.2% | $4,994+62.2% | $6,691+21.1% |
| Admin fee / account holder | $0 | $12,215-100.0% | $9,440-100.0% | $13,402-100.0% |