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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 | $115,225+248.0% | $100,712+298.2% | $138,895+188.7% |
| Participation rate | 57.1% | 74.3%-17.2pp | 69.3%-12.1pp | 79.9%-22.8pp |
| Annual return | 19.51% | 40.35%-20.8pp | 33.27%-13.8pp | 145.39%-125.9pp |
| Employer contribution / active EE | $1,399 | $2,771-49.5% | $2,313-39.5% | $4,194-66.7% |
| Participant deferral / active EE | $9,528 | $4,699+102.8% | $4,085+133.2% | $6,396+49.0% |
| Admin fee / account holder | $63 | $10,844-99.4% | $9,256-99.3% | $12,562-99.5% |