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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 | $77,574+320.8% | $108,753+200.2% | $86,983+275.3% |
| Participation rate | 12.8% | 62.3%-49.5pp | 71.1%-58.3pp | 69.5%-56.8pp |
| Annual return | 18.11% | 18.42%-0.3pp | 37.47%-19.4pp | 25.83%-7.7pp |
| Employer contribution / active EE | $1,467 | $1,611-8.9% | $2,427-39.6% | $2,584-43.2% |
| Participant deferral / active EE | $1,797 | $3,128-42.6% | $4,115-56.3% | $4,194-57.2% |
| Admin fee / account holder | $15 | $6,529-99.8% | $10,320-99.9% | $7,856-99.8% |