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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 | $267,799 | $172,111+55.6% | $150,298+78.2% | $137,256+95.1% |
| Participation rate | 64.3% | 81.7%-17.4pp | 77.8%-13.5pp | 80.0%-15.7pp |
| Annual return | 18.42% | 69.37%-51.0pp | 62.79%-44.4pp | 220.34%-201.9pp |
| Employer contribution / active EE | $1,235 | $4,636-73.4% | $4,154-70.3% | $4,156-70.3% |
| Participant deferral / active EE | $3,676 | $6,166-40.4% | $5,453-32.6% | $6,407-42.6% |
| Admin fee / account holder | $107 | $16,471-99.4% | $14,116-99.2% | $12,270-99.1% |