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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 | $299,568 | $28,624+946.6% | $53,647+458.4% | $82,637+262.5% |
| Participation rate | 11.6% | 47.3%-35.6pp | 56.3%-44.7pp | 68.1%-56.4pp |
| Annual return | 14.84% | 664.98%-650.1pp | 358.33%-343.5pp | 53.51%-38.7pp |
| Employer contribution / active EE | $470 | $637-26.1% | $962-51.1% | $2,552-81.6% |
| Participant deferral / active EE | $2,107 | $1,196+76.1% | $1,813+16.2% | $4,126-48.9% |
| Admin fee / account holder | $0 | $2,022-100.0% | $2,460-100.0% | $7,339-100.0% |