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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 | $311,632 | $132,099+135.9% | $115,599+169.6% | $138,895+124.4% |
| Participation rate | 28.6% | 77.9%-49.3pp | 74.3%-45.7pp | 79.9%-51.3pp |
| Annual return | 20.01% | 176.76%-156.7pp | 111.10%-91.1pp | 145.39%-125.4pp |
| Employer contribution / active EE | $0 | $3,416-100.0% | $2,955-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $199 | $5,617-96.4% | $4,889-95.9% | $6,396-96.9% |
| Admin fee / account holder | $57 | $15,650-99.6% | $12,841-99.6% | $12,562-99.5% |