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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 | $257,388 | $160,028+60.8% | $147,080+75.0% | $145,884+76.4% |
| Participation rate | 33.3% | 84.0%-50.7pp | 82.2%-48.8pp | 80.3%-47.0pp |
| Annual return | 7.48% | 98.60%-91.1pp | 420.17%-412.7pp | 551.85%-544.4pp |
| Employer contribution / active EE | $1,466 | $5,286-72.3% | $4,933-70.3% | $4,662-68.5% |
| Participant deferral / active EE | $9,167 | $8,422+8.8% | $8,066+13.6% | $6,690+37.0% |
| Admin fee / account holder | $0 | $15,030-100.0% | $12,989-100.0% | $13,392-100.0% |