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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 | $281,184 | $58,848+377.8% | $88,179+218.9% | $82,637+240.3% |
| Participation rate | 5.1% | 57.9%-52.8pp | 69.1%-64.0pp | 68.1%-62.9pp |
| Annual return | 24.06% | 22.76%+1.3pp | 64.97%-40.9pp | 53.51%-29.4pp |
| Employer contribution / active EE | $1,949 | $1,678+16.1% | $2,549-23.5% | $2,552-23.6% |
| Participant deferral / active EE | $1,544 | $3,124-50.6% | $4,614-66.5% | $4,126-62.6% |
| Admin fee / account holder | $0 | $4,795-100.0% | $7,673-100.0% | $7,339-100.0% |