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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 | $280,982 | $110,278+154.8% | $95,740+193.5% | $139,466+101.5% |
| Participation rate | 66.7% | 75.7%-9.1pp | 72.3%-5.6pp | 80.3%-13.7pp |
| Annual return | 32.87% | 27.19%+5.7pp | 28.41%+4.5pp | 373.66%-340.8pp |
| Employer contribution / active EE | $2,300 | $3,260-29.5% | $2,836-18.9% | $4,754-51.6% |
| Participant deferral / active EE | $15,593 | $4,674+233.6% | $4,244+267.4% | $6,712+132.3% |
| Admin fee / account holder | $20 | $6,613-99.7% | $5,676-99.6% | $11,409-99.8% |