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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 | $414,657 | $100,139+314.1% | $85,187+386.8% | $145,884+184.2% |
| Participation rate | 10.0% | 74.1%-64.1pp | 67.5%-57.5pp | 80.3%-70.3pp |
| Annual return | 15.81% | 84.15%-68.3pp | 66.67%-50.9pp | 551.85%-536.0pp |
| Employer contribution / active EE | $1,404 | $3,238-56.6% | $2,732-48.6% | $4,662-69.9% |
| Participant deferral / active EE | $1,404 | $5,296-73.5% | $4,525-69.0% | $6,690-79.0% |
| Admin fee / account holder | $60 | $7,262-99.2% | $6,162-99.0% | $13,392-99.6% |