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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 | $291,454 | $107,733+170.5% | $92,985+213.4% | $154,746+88.3% |
| Participation rate | 53.3% | 74.6%-21.2pp | 69.5%-16.2pp | 80.7%-27.4pp |
| Annual return | 15.03% | 30.39%-15.4pp | 27.99%-13.0pp | 172.34%-157.3pp |
| Employer contribution / active EE | $2,420 | $3,126-22.6% | $2,662-9.1% | $4,379-44.7% |
| Participant deferral / active EE | $7,169 | $5,053+41.9% | $4,377+63.8% | $6,730+6.5% |
| Admin fee / account holder | $15 | $11,369-99.9% | $9,463-99.8% | $14,365-99.9% |