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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 | $331,800 | $174,018+90.7% | $136,833+142.5% | $198,609+67.1% |
| Participation rate | 44.4% | 65.1%-20.7pp | 59.0%-14.6pp | 82.4%-37.9pp |
| Annual return | 6.72% | 35.16%-28.4pp | 35.32%-28.6pp | 202.70%-196.0pp |
| Employer contribution / active EE | $354 | $1,571-77.5% | $1,319-73.2% | $5,055-93.0% |
| Participant deferral / active EE | $845 | $2,873-70.6% | $2,441-65.4% | $6,977-87.9% |
| Admin fee / account holder | $0 | $5,434-100.0% | $4,706-100.0% | $19,030-100.0% |