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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 | $265,669 | $202,440+31.2% | $169,390+56.8% | $139,466+90.5% |
| Participation rate | 66.7% | 81.1%-14.4pp | 77.2%-10.5pp | 80.3%-13.7pp |
| Annual return | 13.22% | 532.36%-519.1pp | 406.07%-392.9pp | 373.66%-360.4pp |
| Employer contribution / active EE | $13,051 | $4,693+178.1% | $4,013+225.3% | $4,754+174.5% |
| Participant deferral / active EE | $6,667 | $6,940-3.9% | $6,222+7.1% | $6,712-0.7% |
| Admin fee / account holder | $104 | $10,722-99.0% | $9,015-98.8% | $11,409-99.1% |