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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 | $185,312+44.5% | $161,489+65.8% | $154,746+73.1% |
| Participation rate | 64.3% | 82.5%-18.2pp | 78.7%-14.4pp | 80.7%-16.4pp |
| Annual return | 18.42% | 103.84%-85.4pp | 89.72%-71.3pp | 172.34%-153.9pp |
| Employer contribution / active EE | $1,235 | $4,769-74.1% | $4,268-71.1% | $4,379-71.8% |
| Participant deferral / active EE | $3,676 | $6,350-42.1% | $5,630-34.7% | $6,730-45.4% |
| Admin fee / account holder | $107 | $18,654-99.4% | $16,006-99.3% | $14,365-99.3% |