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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 | $595,315 | $132,634+348.8% | $115,768+414.2% | $137,256+333.7% |
| Participation rate | 33.3% | 77.9%-44.5pp | 74.4%-41.1pp | 80.0%-46.6pp |
| Annual return | 13.73% | 160.70%-147.0pp | 100.46%-86.7pp | 220.34%-206.6pp |
| Employer contribution / active EE | $1,000 | $3,360-70.2% | $2,940-66.0% | $4,156-75.9% |
| Participant deferral / active EE | $4,602 | $5,619-18.1% | $4,917-6.4% | $6,407-28.2% |
| Admin fee / account holder | $0 | $15,028-100.0% | $12,439-100.0% | $12,270-100.0% |