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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 | $777,067 | $185,312+319.3% | $161,489+381.2% | $154,746+402.2% |
| Participation rate | 50.0% | 82.5%-32.5pp | 78.7%-28.7pp | 80.7%-30.7pp |
| Annual return | 13.04% | 103.84%-90.8pp | 89.72%-76.7pp | 172.34%-159.3pp |
| Employer contribution / active EE | $3,660 | $4,769-23.3% | $4,268-14.3% | $4,379-16.4% |
| Participant deferral / active EE | $6,570 | $6,350+3.5% | $5,630+16.7% | $6,730-2.4% |
| Admin fee / account holder | $120 | $18,654-99.4% | $16,006-99.3% | $14,365-99.2% |