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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 | $435,706 | $114,119+281.8% | $107,187+306.5% | $138,895+213.7% |
| Participation rate | 60.0% | 78.1%-18.1pp | 75.0%-15.0pp | 79.9%-19.9pp |
| Annual return | 16.56% | 273.21%-256.6pp | 204.55%-188.0pp | 145.39%-128.8pp |
| Employer contribution / active EE | $1,863 | $4,059-54.1% | $3,782-50.7% | $4,194-55.6% |
| Participant deferral / active EE | $17,736 | $5,538+220.3% | $5,096+248.0% | $6,396+177.3% |
| Admin fee / account holder | $3 | $10,024-100.0% | $9,162-100.0% | $12,562-100.0% |