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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 | $323,468 | $201,372+60.6% | $184,260+75.6% | $145,884+121.7% |
| Participation rate | 66.7% | 87.5%-20.8pp | 86.8%-20.2pp | 80.3%-13.6pp |
| Annual return | 53.97% | 29.04%+24.9pp | 28.84%+25.1pp | 551.85%-497.9pp |
| Employer contribution / active EE | $11,482 | $7,024+63.5% | $6,427+78.6% | $4,662+146.3% |
| Participant deferral / active EE | $8,917 | $9,808-9.1% | $9,133-2.4% | $6,690+33.3% |
| Admin fee / account holder | $0 | $16,362-100.0% | $13,898-100.0% | $13,392-100.0% |