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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 | $436,588 | $190,916+128.7% | $160,037+172.8% | $134,545+224.5% |
| Participation rate | 33.3% | 82.0%-48.6pp | 78.0%-44.7pp | 81.2%-47.9pp |
| Annual return | -10.44% | 552.79%-563.2pp | 408.95%-419.4pp | 418.37%-428.8pp |
| Employer contribution / active EE | $940 | $4,996-81.2% | $4,226-77.8% | $4,742-80.2% |
| Participant deferral / active EE | $5,032 | $6,925-27.3% | $6,184-18.6% | $6,401-21.4% |
| Admin fee / account holder | $0 | $10,497-100.0% | $8,716-100.0% | $11,431-100.0% |