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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 | $486,052 | $157,829+208.0% | $136,867+255.1% | $198,609+144.7% |
| Participation rate | 50.0% | 77.2%-27.2pp | 74.5%-24.5pp | 82.4%-32.4pp |
| Annual return | 19.82% | 51.25%-31.4pp | 42.97%-23.2pp | 202.70%-182.9pp |
| Employer contribution / active EE | $3,838 | $3,923-2.2% | $3,547+8.2% | $5,055-24.1% |
| Participant deferral / active EE | $11,938 | $5,463+118.5% | $4,924+142.5% | $6,977+71.1% |
| Admin fee / account holder | $20 | $11,107-99.8% | $10,340-99.8% | $19,030-99.9% |