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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 | $317,853 | $106,247+199.2% | $96,515+229.3% | $139,466+127.9% |
| Participation rate | 66.7% | 77.8%-11.2pp | 74.3%-7.7pp | 80.3%-13.7pp |
| Annual return | 3.73% | 38.47%-34.7pp | 35.73%-32.0pp | 373.66%-369.9pp |
| Employer contribution / active EE | $2,601 | $4,106-36.7% | $3,740-30.5% | $4,754-45.3% |
| Participant deferral / active EE | $3,916 | $5,456-28.2% | $4,880-19.8% | $6,712-41.7% |
| Admin fee / account holder | $0 | $7,885-100.0% | $6,735-100.0% | $11,409-100.0% |