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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 | $336,544 | $125,237+168.7% | $105,608+218.7% | $145,877+130.7% |
| Participation rate | 40.0% | 77.7%-37.7pp | 75.3%-35.3pp | 80.3%-40.3pp |
| Annual return | 15.60% | 225.76%-210.2pp | 116.50%-100.9pp | 551.28%-535.7pp |
| Employer contribution / active EE | $1,551 | $3,720-58.3% | $3,167-51.0% | $4,663-66.7% |
| Participant deferral / active EE | $3,440 | $5,711-39.8% | $5,010-31.3% | $6,691-48.6% |
| Admin fee / account holder | $55 | $17,287-99.7% | $11,028-99.5% | $13,402-99.6% |