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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 | $263,168 | $96,691+172.2% | $86,656+203.7% | $139,487+88.7% |
| Participation rate | 40.0% | 74.4%-34.4pp | 71.7%-31.7pp | 80.3%-40.3pp |
| Annual return | 16.61% | 106.87%-90.3pp | 593.09%-576.5pp | 373.84%-357.2pp |
| Employer contribution / active EE | $1,041 | $3,267-68.1% | $3,025-65.6% | $4,755-78.1% |
| Participant deferral / active EE | $3,672 | $4,838-24.1% | $4,439-17.3% | $6,713-45.3% |
| Admin fee / account holder | $0 | $6,414-100.0% | $5,619-100.0% | $11,407-100.0% |