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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 | $293,751 | $110,379+166.1% | $102,412+186.8% | $145,884+101.4% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 16.98% | 24.84%-7.9pp | 24.94%-8.0pp | 551.85%-534.9pp |
| Employer contribution / active EE | $5,840 | $4,216+38.5% | $3,870+50.9% | $4,662+25.3% |
| Participant deferral / active EE | $5,840 | $5,622+3.9% | $5,060+15.4% | $6,690-12.7% |
| Admin fee / account holder | $60 | $9,745-99.4% | $8,388-99.3% | $13,392-99.6% |