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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 | $279,640 | $84,551+230.7% | $61,452+355.1% | $134,532+107.9% |
| Participation rate | 15.4% | 62.2%-46.8pp | 52.6%-37.2pp | 81.2%-65.8pp |
| Annual return | -14.86% | 585.39%-600.3pp | 338.96%-353.8pp | 418.27%-433.1pp |
| Employer contribution / active EE | $347 | $1,545-77.5% | $1,160-70.0% | $4,741-92.7% |
| Participant deferral / active EE | $4,000 | $2,818+41.9% | $2,125+88.3% | $6,401-37.5% |
| Admin fee / account holder | $0 | $2,587-100.0% | $2,131-100.0% | $11,429-100.0% |