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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 | $368,082 | $228,352+61.2% | $185,835+98.1% | $158,966+131.5% |
| Participation rate | 28.6% | 82.3%-53.7pp | 78.0%-49.5pp | 82.0%-53.4pp |
| Annual return | 15.36% | 40.81%-25.5pp | 35.96%-20.6pp | 302.95%-287.6pp |
| Employer contribution / active EE | $1,584 | $4,967-68.1% | $4,087-61.2% | $4,762-66.7% |
| Participant deferral / active EE | $7,429 | $6,416+15.8% | $5,633+31.9% | $5,983+24.2% |
| Admin fee / account holder | $12 | $11,867-99.9% | $9,502-99.9% | $11,250-99.9% |