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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 | $368,519 | $100,073+268.2% | $85,126+332.9% | $145,877+152.6% |
| Participation rate | 33.3% | 74.1%-40.8pp | 67.5%-34.2pp | 80.3%-47.0pp |
| Annual return | 25.30% | 84.11%-58.8pp | 66.63%-41.3pp | 551.28%-526.0pp |
| Employer contribution / active EE | $2,058 | $3,236-36.4% | $2,731-24.7% | $4,663-55.9% |
| Participant deferral / active EE | $7,798 | $5,294+47.3% | $4,523+72.4% | $6,691+16.6% |
| Admin fee / account holder | $120 | $7,261-98.3% | $6,160-98.1% | $13,402-99.1% |