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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 | $100,203+267.8% | $85,240+332.3% | $145,897+152.6% |
| Participation rate | 33.3% | 74.1%-40.8pp | 67.5%-34.2pp | 80.3%-47.0pp |
| Annual return | 25.30% | 84.28%-59.0pp | 66.75%-41.5pp | 552.29%-527.0pp |
| Employer contribution / active EE | $2,058 | $3,242-36.5% | $2,735-24.8% | $4,663-55.9% |
| Participant deferral / active EE | $7,798 | $5,299+47.2% | $4,527+72.3% | $6,689+16.6% |
| Admin fee / account holder | $120 | $7,265-98.3% | $6,165-98.1% | $13,390-99.1% |