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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 | $374,915 | $176,077+112.9% | $159,455+135.1% | $167,518+123.8% |
| Participation rate | 50.0% | 84.9%-34.9pp | 82.8%-32.8pp | 82.1%-32.1pp |
| Annual return | 22.99% | 331.83%-308.8pp | 263.63%-240.6pp | 478.71%-455.7pp |
| Employer contribution / active EE | $2,300 | $5,298-56.6% | $4,830-52.4% | $4,838-52.5% |
| Participant deferral / active EE | $13,000 | $7,751+67.7% | $7,353+76.8% | $6,342+105.0% |
| Admin fee / account holder | $120 | $12,556-99.0% | $10,800-98.9% | $12,312-99.0% |