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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $820,836 | $152,619+437.8% | $125,195+555.6% | $152,909+436.8% |
| Participation rate | 50.0% | 83.3%-33.3pp | 79.8%-29.8pp | 82.5%-32.5pp |
| Annual return | 28.23% | 54.85%-26.6pp | 43.79%-15.6pp | 345.46%-317.2pp |
| Employer contribution / active EE | $882 | $4,947-82.2% | $3,866-77.2% | $4,764-81.5% |
| Participant deferral / active EE | $6,000 | $5,869+2.2% | $4,937+21.5% | $5,851+2.5% |
| Admin fee / account holder | $0 | $13,437-100.0% | $9,704-100.0% | $11,601-100.0% |