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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 | $409,087 | $132,634+208.4% | $115,768+253.4% | $137,256+198.0% |
| Participation rate | 42.9% | 77.9%-35.0pp | 74.4%-31.5pp | 80.0%-37.1pp |
| Annual return | 17.64% | 160.70%-143.1pp | 100.46%-82.8pp | 220.34%-202.7pp |
| Employer contribution / active EE | $1,657 | $3,360-50.7% | $2,940-43.6% | $4,156-60.1% |
| Participant deferral / active EE | $4,935 | $5,619-12.2% | $4,917+0.4% | $6,407-23.0% |
| Admin fee / account holder | $41 | $15,028-99.7% | $12,439-99.7% | $12,270-99.7% |