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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 | $276,967 | $118,695+133.3% | $98,916+180.0% | $158,950+74.2% |
| Participation rate | 50.0% | 77.8%-27.8pp | 76.0%-26.0pp | 82.0%-32.0pp |
| Annual return | 13.26% | 372.39%-359.1pp | 196.45%-183.2pp | 302.91%-289.6pp |
| Employer contribution / active EE | $835 | $3,333-74.9% | $2,689-68.9% | $4,762-82.5% |
| Participant deferral / active EE | $2,236 | $5,088-56.1% | $4,245-47.3% | $5,983-62.6% |
| Admin fee / account holder | $10 | $10,132-99.9% | $6,642-99.8% | $11,248-99.9% |