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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 | $444,736 | $172,111+158.4% | $150,298+195.9% | $137,256+224.0% |
| Participation rate | 13.3% | 81.7%-68.4pp | 77.8%-64.4pp | 80.0%-66.6pp |
| Annual return | 15.92% | 69.37%-53.5pp | 62.79%-46.9pp | 220.34%-204.4pp |
| Employer contribution / active EE | $1,663 | $4,636-64.1% | $4,154-60.0% | $4,156-60.0% |
| Participant deferral / active EE | $2,200 | $6,166-64.3% | $5,453-59.7% | $6,407-65.7% |
| Admin fee / account holder | $2 | $16,471-100.0% | $14,116-100.0% | $12,270-100.0% |