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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $312,162 | $111,878+179.0% | $93,727+233.1% | $145,897+114.0% |
| Participation rate | 40.0% | 74.2%-34.2pp | 68.7%-28.7pp | 80.3%-40.3pp |
| Annual return | 9.67% | 204.28%-194.6pp | 133.83%-124.2pp | 552.29%-542.6pp |
| Employer contribution / active EE | $3,320 | $3,092+7.4% | $2,421+37.1% | $4,663-28.8% |
| Participant deferral / active EE | $6,300 | $4,920+28.0% | $4,417+42.6% | $6,689-5.8% |
| Admin fee / account holder | $125 | $10,256-98.8% | $8,292-98.5% | $13,390-99.1% |