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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 | $277,680 | $106,918+159.7% | $84,021+230.5% | $152,897+81.6% |
| Participation rate | 14.3% | 75.2%-61.0pp | 69.0%-54.7pp | 82.5%-68.2pp |
| Annual return | 14.29% | 105.01%-90.7pp | 71.32%-57.0pp | 345.43%-331.1pp |
| Employer contribution / active EE | $1,214 | $2,735-55.6% | $1,984-38.8% | $4,764-74.5% |
| Participant deferral / active EE | $5,429 | $4,012+35.3% | $3,239+67.6% | $5,851-7.2% |
| Admin fee / account holder | $0 | $8,288-100.0% | $6,102-100.0% | $11,599-100.0% |