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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 | $389,691 | $96,678+303.1% | $86,640+349.8% | $139,466+179.4% |
| Participation rate | 57.1% | 74.4%-17.3pp | 71.7%-14.6pp | 80.3%-23.2pp |
| Annual return | 2.40% | 106.69%-104.3pp | 592.52%-590.1pp | 373.66%-371.3pp |
| Employer contribution / active EE | $5,087 | $3,265+55.8% | $3,024+68.2% | $4,754+7.0% |
| Participant deferral / active EE | $9,737 | $4,837+101.3% | $4,438+119.4% | $6,712+45.1% |
| Admin fee / account holder | $0 | $6,410-100.0% | $5,616-100.0% | $11,409-100.0% |