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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 | $323,155 | $124,330+159.9% | $109,173+196.0% | $167,536+92.9% |
| Participation rate | 28.6% | 79.5%-50.9pp | 75.9%-47.3pp | 82.1%-53.5pp |
| Annual return | 12.13% | 26.04%-13.9pp | 25.75%-13.6pp | 478.82%-466.7pp |
| Employer contribution / active EE | $1,130 | $4,209-73.2% | $3,723-69.6% | $4,839-76.6% |
| Participant deferral / active EE | $5,200 | $5,256-1.1% | $4,654+11.7% | $6,342-18.0% |
| Admin fee / account holder | $0 | $7,974-100.0% | $6,755-100.0% | $12,315-100.0% |