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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 | $124,980+220.9% | $108,359+270.1% | $154,746+159.2% |
| Participation rate | 57.1% | 75.2%-18.0pp | 70.1%-13.0pp | 80.7%-23.6pp |
| Annual return | 19.51% | 45.00%-25.5pp | 36.89%-17.4pp | 172.34%-152.8pp |
| Employer contribution / active EE | $1,399 | $2,851-50.9% | $2,399-41.7% | $4,379-68.1% |
| Participant deferral / active EE | $9,528 | $4,743+100.9% | $4,137+130.3% | $6,730+41.6% |
| Admin fee / account holder | $63 | $11,502-99.5% | $9,741-99.4% | $14,365-99.6% |