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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 | $258,783 | $182,442+41.8% | $163,379+58.4% | $138,895+86.3% |
| Participation rate | 40.0% | 79.8%-39.8pp | 76.8%-36.8pp | 79.9%-39.9pp |
| Annual return | 13.07% | 72.74%-59.7pp | 63.41%-50.3pp | 145.39%-132.3pp |
| Employer contribution / active EE | $17,426 | $4,159+319.0% | $3,752+364.4% | $4,194+315.5% |
| Participant deferral / active EE | $12,400 | $6,817+81.9% | $6,282+97.4% | $6,396+93.9% |
| Admin fee / account holder | $35 | $10,396-99.7% | $9,818-99.6% | $12,562-99.7% |