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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 | $344,975 | $69,118+399.1% | $53,647+543.1% | $138,895+148.4% |
| Participation rate | 40.0% | 64.0%-24.0pp | 56.3%-16.3pp | 79.9%-39.9pp |
| Annual return | 17.79% | 248.26%-230.5pp | 358.33%-340.5pp | 145.39%-127.6pp |
| Employer contribution / active EE | $1,934 | $1,189+62.6% | $962+101.1% | $4,194-53.9% |
| Participant deferral / active EE | $7,404 | $2,274+225.6% | $1,813+308.3% | $6,396+15.8% |
| Admin fee / account holder | $0 | $2,724-100.0% | $2,460-100.0% | $12,562-100.0% |