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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 | $251,265 | $110,303+127.8% | $95,759+162.4% | $139,487+80.1% |
| Participation rate | 23.1% | 75.7%-52.7pp | 72.3%-49.2pp | 80.3%-57.3pp |
| Annual return | 15.02% | 27.19%-12.2pp | 28.42%-13.4pp | 373.84%-358.8pp |
| Employer contribution / active EE | $1,404 | $3,261-56.9% | $2,836-50.5% | $4,755-70.5% |
| Participant deferral / active EE | $4,615 | $4,674-1.3% | $4,244+8.8% | $6,713-31.2% |
| Admin fee / account holder | $0 | $6,615-100.0% | $5,678-100.0% | $11,407-100.0% |