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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 | $135,905+112.4% | $126,068+129.0% | $198,609+45.3% |
| Participation rate | 38.5% | 85.6%-47.2pp | 84.7%-46.2pp | 82.4%-43.9pp |
| Annual return | 17.07% | 14.07%+3.0pp | 15.01%+2.1pp | 202.70%-185.6pp |
| Employer contribution / active EE | $2,121 | $4,245-50.0% | $3,968-46.5% | $5,055-58.0% |
| Participant deferral / active EE | $3,611 | $8,523-57.6% | $8,214-56.0% | $6,977-48.2% |
| Admin fee / account holder | $24 | $21,036-99.9% | $18,264-99.9% | $19,030-99.9% |