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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 | $256,082 | $183,516+39.5% | $155,534+64.6% | $145,884+75.5% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.6pp | 80.3%-13.6pp |
| Annual return | 14.29% | 61.43%-47.1pp | 64.92%-50.6pp | 551.85%-537.6pp |
| Employer contribution / active EE | $1,209 | $5,315-77.3% | $4,675-74.1% | $4,662-74.1% |
| Participant deferral / active EE | $15,333 | $6,467+137.1% | $5,630+172.3% | $6,690+129.2% |
| Admin fee / account holder | $248 | $19,293-98.7% | $15,900-98.4% | $13,392-98.2% |