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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $625,744 | $112,729+455.1% | $98,716+533.9% | $137,256+355.9% |
| Participation rate | 63.6% | 74.2%-10.6pp | 69.3%-5.7pp | 80.0%-16.3pp |
| Annual return | 18.96% | 38.48%-19.5pp | 31.81%-12.9pp | 220.34%-201.4pp |
| Employer contribution / active EE | $14,637 | $2,725+437.1% | $2,279+542.4% | $4,156+252.2% |
| Participant deferral / active EE | $473 | $4,640-89.8% | $4,048-88.3% | $6,407-92.6% |
| Admin fee / account holder | $258 | $10,129-97.5% | $8,703-97.0% | $12,270-97.9% |