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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 | $326,444 | $74,535+338.0% | $100,712+224.1% | $82,637+295.0% |
| Participation rate | 12.8% | 61.2%-48.4pp | 69.3%-56.5pp | 68.1%-55.3pp |
| Annual return | 18.11% | 18.92%-0.8pp | 33.27%-15.2pp | 53.51%-35.4pp |
| Employer contribution / active EE | $1,467 | $1,503-2.4% | $2,313-36.6% | $2,552-42.5% |
| Participant deferral / active EE | $1,797 | $3,074-41.5% | $4,085-56.0% | $4,126-56.5% |
| Admin fee / account holder | $15 | $6,576-99.8% | $9,256-99.8% | $7,339-99.8% |