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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 | $332,658 | $103,038+222.9% | $90,324+268.3% | $152,909+117.6% |
| Participation rate | 55.6% | 75.9%-20.3pp | 73.3%-17.7pp | 82.5%-26.9pp |
| Annual return | 17.07% | 95.25%-78.2pp | 78.15%-61.1pp | 345.46%-328.4pp |
| Employer contribution / active EE | $3,071 | $3,141-2.2% | $2,856+7.5% | $4,764-35.5% |
| Participant deferral / active EE | $8,011 | $4,282+87.1% | $3,885+106.2% | $5,851+36.9% |
| Admin fee / account holder | $248 | $6,177-96.0% | $5,356-95.4% | $11,601-97.9% |