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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 | $436,591 | $117,895+270.3% | $102,460+326.1% | $145,897+199.2% |
| Participation rate | 57.1% | 78.6%-21.5pp | 76.5%-19.4pp | 80.3%-23.2pp |
| Annual return | 14.04% | 31.92%-17.9pp | 29.47%-15.4pp | 552.29%-538.3pp |
| Employer contribution / active EE | $1,308 | $3,619-63.9% | $3,025-56.8% | $4,663-72.0% |
| Participant deferral / active EE | $4,615 | $5,736-19.5% | $5,056-8.7% | $6,689-31.0% |
| Admin fee / account holder | $0 | $13,353-100.0% | $9,460-100.0% | $13,390-100.0% |