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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 | $288,638 | $107,666+168.1% | $102,184+182.5% | $154,746+86.5% |
| Participation rate | 38.5% | 83.7%-45.3pp | 82.6%-44.1pp | 80.7%-42.2pp |
| Annual return | 17.07% | 29.33%-12.3pp | 31.58%-14.5pp | 172.34%-155.3pp |
| Employer contribution / active EE | $2,121 | $3,846-44.9% | $3,594-41.0% | $4,379-51.6% |
| Participant deferral / active EE | $3,611 | $8,719-58.6% | $8,309-56.5% | $6,730-46.3% |
| Admin fee / account holder | $24 | $12,943-99.8% | $11,609-99.8% | $14,365-99.8% |