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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 | $346,305 | $132,099+162.2% | $115,599+199.6% | $138,895+149.3% |
| Participation rate | 30.0% | 77.9%-47.9pp | 74.3%-44.3pp | 79.9%-49.9pp |
| Annual return | 14.85% | 176.76%-161.9pp | 111.10%-96.2pp | 145.39%-130.5pp |
| Employer contribution / active EE | $2,438 | $3,416-28.6% | $2,955-17.5% | $4,194-41.9% |
| Participant deferral / active EE | $5,363 | $5,617-4.5% | $4,889+9.7% | $6,396-16.2% |
| Admin fee / account holder | $128 | $15,650-99.2% | $12,841-99.0% | $12,562-99.0% |