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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 | $504,629 | $166,242+203.6% | $165,071+205.7% | $145,884+245.9% |
| Participation rate | 33.3% | 82.0%-48.7pp | 78.6%-45.3pp | 80.3%-47.0pp |
| Annual return | 12.68% | 100.44%-87.8pp | 70.17%-57.5pp | 551.85%-539.2pp |
| Employer contribution / active EE | $1,733 | $5,283-67.2% | $4,347-60.1% | $4,662-62.8% |
| Participant deferral / active EE | $4,500 | $6,964-35.4% | $6,035-25.4% | $6,690-32.7% |
| Admin fee / account holder | $39 | $16,658-99.8% | $12,695-99.7% | $13,392-99.7% |