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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 | $270,731 | $183,516+47.5% | $155,534+74.1% | $145,884+85.6% |
| Participation rate | 44.4% | 82.7%-38.3pp | 78.2%-33.8pp | 80.3%-35.9pp |
| Annual return | 12.73% | 61.43%-48.7pp | 64.92%-52.2pp | 551.85%-539.1pp |
| Employer contribution / active EE | $2,169 | $5,315-59.2% | $4,675-53.6% | $4,662-53.5% |
| Participant deferral / active EE | $5,493 | $6,467-15.1% | $5,630-2.4% | $6,690-17.9% |
| Admin fee / account holder | $235 | $19,293-98.8% | $15,900-98.5% | $13,392-98.2% |