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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 | $535,455 | $117,846+354.4% | $102,434+422.7% | $145,884+267.0% |
| Participation rate | 50.0% | 78.6%-28.6pp | 76.5%-26.5pp | 80.3%-30.3pp |
| Annual return | 13.13% | 31.90%-18.8pp | 29.46%-16.3pp | 551.85%-538.7pp |
| Employer contribution / active EE | $1,749 | $3,615-51.6% | $3,023-42.1% | $4,662-62.5% |
| Participant deferral / active EE | $6,587 | $5,733+14.9% | $5,055+30.3% | $6,690-1.5% |
| Admin fee / account holder | $30 | $13,356-99.8% | $9,462-99.7% | $13,392-99.8% |