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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 | $401,034 | $112,729+255.8% | $98,716+306.3% | $137,256+192.2% |
| Participation rate | 57.1% | 74.2%-17.1pp | 69.3%-12.2pp | 80.0%-22.8pp |
| Annual return | 19.51% | 38.48%-19.0pp | 31.81%-12.3pp | 220.34%-200.8pp |
| Employer contribution / active EE | $1,399 | $2,725-48.7% | $2,279-38.6% | $4,156-66.3% |
| Participant deferral / active EE | $9,528 | $4,640+105.3% | $4,048+135.4% | $6,407+48.7% |
| Admin fee / account holder | $63 | $10,129-99.4% | $8,703-99.3% | $12,270-99.5% |