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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 | $321,610 | $67,823+374.2% | $52,425+513.5% | $137,256+134.3% |
| Participation rate | 15.4% | 63.9%-48.5pp | 55.6%-40.2pp | 80.0%-64.6pp |
| Annual return | 15.98% | 219.11%-203.1pp | 302.12%-286.1pp | 220.34%-204.4pp |
| Employer contribution / active EE | $1,562 | $1,163+34.3% | $914+70.9% | $4,156-62.4% |
| Participant deferral / active EE | $3,956 | $2,288+72.9% | $1,790+121.0% | $6,407-38.3% |
| Admin fee / account holder | $122 | $2,844-95.7% | $2,495-95.1% | $12,270-99.0% |