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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 | $317,765 | $185,312+71.5% | $161,489+96.8% | $154,746+105.3% |
| Participation rate | 68.8% | 82.5%-13.7pp | 78.7%-9.9pp | 80.7%-12.0pp |
| Annual return | 16.18% | 103.84%-87.7pp | 89.72%-73.5pp | 172.34%-156.2pp |
| Employer contribution / active EE | $4,961 | $4,769+4.0% | $4,268+16.2% | $4,379+13.3% |
| Participant deferral / active EE | $5,981 | $6,350-5.8% | $5,630+6.2% | $6,730-11.1% |
| Admin fee / account holder | $240 | $18,654-98.7% | $16,006-98.5% | $14,365-98.3% |