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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 | $500,138 | $136,860+265.4% | $120,344+315.6% | $154,746+223.2% |
| Participation rate | 57.1% | 79.9%-22.7pp | 76.7%-19.6pp | 80.7%-23.6pp |
| Annual return | 11.84% | 21.38%-9.5pp | 20.30%-8.5pp | 172.34%-160.5pp |
| Employer contribution / active EE | $1,488 | $3,533-57.9% | $3,020-50.7% | $4,379-66.0% |
| Participant deferral / active EE | $5,296 | $5,793-8.6% | $5,135+3.1% | $6,730-21.3% |
| Admin fee / account holder | $33 | $15,393-99.8% | $12,742-99.7% | $14,365-99.8% |