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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 | $294,484 | $110,410+166.7% | $102,437+187.5% | $145,897+101.8% |
| Participation rate | 40.0% | 77.9%-37.9pp | 74.5%-34.5pp | 80.3%-40.3pp |
| Annual return | 15.91% | 24.85%-8.9pp | 24.95%-9.0pp | 552.29%-536.4pp |
| Employer contribution / active EE | $1,669 | $4,217-60.4% | $3,871-56.9% | $4,663-64.2% |
| Participant deferral / active EE | $9,798 | $5,622+74.3% | $5,060+93.6% | $6,689+46.5% |
| Admin fee / account holder | $0 | $9,745-100.0% | $8,388-100.0% | $13,390-100.0% |