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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 | $267,124 | $90,607+194.8% | $79,467+236.1% | $135,380+97.3% |
| Participation rate | 62.5% | 76.0%-13.5pp | 73.3%-10.8pp | 82.6%-20.1pp |
| Annual return | -4.85% | 977.74%-982.6pp | 718.30%-723.2pp | 519.81%-524.7pp |
| Employer contribution / active EE | $4,075 | $3,068+32.8% | $2,800+45.5% | $4,779-14.7% |
| Participant deferral / active EE | $9,599 | $4,050+137.0% | $3,704+159.2% | $5,609+71.1% |
| Admin fee / account holder | $248 | $5,895-95.8% | $5,104-95.1% | $10,828-97.7% |