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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 | $309,900 | $103,392+199.7% | $87,104+255.8% | $152,897+102.7% |
| Participation rate | 60.0% | 79.4%-19.4pp | 76.9%-16.9pp | 82.5%-22.5pp |
| Annual return | 26.19% | 28.10%-1.9pp | 28.19%-2.0pp | 345.43%-319.2pp |
| Employer contribution / active EE | $2,797 | $3,221-13.2% | $2,521+10.9% | $4,764-41.3% |
| Participant deferral / active EE | $6,187 | $4,778+29.5% | $4,048+52.8% | $5,851+5.7% |
| Admin fee / account holder | $0 | $12,194-100.0% | $7,491-100.0% | $11,599-100.0% |