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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 | $227,399+241.7% | $189,758+309.5% | $198,609+291.3% |
| Participation rate | 50.0% | 84.0%-34.0pp | 79.8%-29.8pp | 82.4%-32.4pp |
| Annual return | 13.04% | 61.03%-48.0pp | 52.62%-39.6pp | 202.70%-189.7pp |
| Employer contribution / active EE | $3,660 | $5,526-33.8% | $4,767-23.2% | $5,055-27.6% |
| Participant deferral / active EE | $6,570 | $6,837-3.9% | $5,856+12.2% | $6,977-5.8% |
| Admin fee / account holder | $120 | $25,162-99.5% | $20,388-99.4% | $19,030-99.4% |