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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 | $384,619 | $160,040+140.3% | $147,096+161.5% | $145,877+163.7% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 28.66% | 98.49%-69.8pp | 419.75%-391.1pp | 551.28%-522.6pp |
| Employer contribution / active EE | $6,926 | $5,289+30.9% | $4,936+40.3% | $4,663+48.5% |
| Participant deferral / active EE | $7,978 | $8,429-5.3% | $8,071-1.2% | $6,691+19.2% |
| Admin fee / account holder | $90 | $15,050-99.4% | $13,005-99.3% | $13,402-99.3% |