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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 | $87,166+234.4% | $76,735+279.8% | $137,256+112.3% |
| Participation rate | 53.3% | 74.4%-21.0pp | 69.5%-16.2pp | 80.0%-26.6pp |
| Annual return | 15.03% | 26.50%-11.5pp | 29.77%-14.7pp | 220.34%-205.3pp |
| Employer contribution / active EE | $2,420 | $2,904-16.7% | $2,454-1.4% | $4,156-41.8% |
| Participant deferral / active EE | $7,169 | $4,726+51.7% | $4,088+75.4% | $6,407+11.9% |
| Admin fee / account holder | $15 | $8,403-99.8% | $7,189-99.8% | $12,270-99.9% |