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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 | $375,227 | $185,312+102.5% | $161,489+132.4% | $154,746+142.5% |
| Participation rate | 62.5% | 82.5%-20.0pp | 78.7%-16.2pp | 80.7%-18.2pp |
| Annual return | 13.97% | 103.84%-89.9pp | 89.72%-75.7pp | 172.34%-158.4pp |
| Employer contribution / active EE | $2,698 | $4,769-43.4% | $4,268-36.8% | $4,379-38.4% |
| Participant deferral / active EE | $6,324 | $6,350-0.4% | $5,630+12.3% | $6,730-6.0% |
| Admin fee / account holder | $0 | $18,654-100.0% | $16,006-100.0% | $14,365-100.0% |