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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 | $255,204 | $172,111+48.3% | $150,298+69.8% | $137,256+85.9% |
| Participation rate | 57.1% | 81.7%-24.6pp | 77.8%-20.6pp | 80.0%-22.8pp |
| Annual return | 20.49% | 69.37%-48.9pp | 62.79%-42.3pp | 220.34%-199.9pp |
| Employer contribution / active EE | $2,341 | $4,636-49.5% | $4,154-43.6% | $4,156-43.7% |
| Participant deferral / active EE | $5,001 | $6,166-18.9% | $5,453-8.3% | $6,407-21.9% |
| Admin fee / account holder | $47 | $16,471-99.7% | $14,116-99.7% | $12,270-99.6% |