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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 | $307,764 | $198,461+55.1% | $170,436+80.6% | $147,585+108.5% |
| Participation rate | 50.0% | 88.0%-38.0pp | 83.6%-33.6pp | 82.8%-32.8pp |
| Annual return | 19.03% | 257.30%-238.3pp | 205.94%-186.9pp | 578.57%-559.5pp |
| Employer contribution / active EE | $2,400 | $6,184-61.2% | $5,433-55.8% | $4,876-50.8% |
| Participant deferral / active EE | $9,439 | $5,629+67.7% | $4,939+91.1% | $5,439+73.5% |
| Admin fee / account holder | $149 | $16,852-99.1% | $13,880-98.9% | $10,885-98.6% |