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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 | $253,789 | $165,381+53.5% | $149,730+69.5% | $158,966+59.6% |
| Participation rate | 64.3% | 84.6%-20.3pp | 82.5%-18.2pp | 82.0%-17.7pp |
| Annual return | 19.75% | 348.29%-328.5pp | 276.70%-256.9pp | 302.95%-283.2pp |
| Employer contribution / active EE | $4,678 | $5,104-8.3% | $4,645+0.7% | $4,762-1.8% |
| Participant deferral / active EE | $8,128 | $7,182+13.2% | $6,843+18.8% | $5,983+35.9% |
| Admin fee / account holder | $0 | $10,809-100.0% | $9,310-100.0% | $11,250-100.0% |