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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 | $271,616 | $176,105+54.2% | $159,474+70.3% | $167,536+62.1% |
| Participation rate | 60.0% | 85.0%-25.0pp | 82.8%-22.8pp | 82.1%-22.1pp |
| Annual return | 19.97% | 331.91%-311.9pp | 263.68%-243.7pp | 478.82%-458.8pp |
| Employer contribution / active EE | $6,938 | $5,299+30.9% | $4,831+43.6% | $4,839+43.4% |
| Participant deferral / active EE | $9,701 | $7,751+25.2% | $7,353+31.9% | $6,342+53.0% |
| Admin fee / account holder | $294 | $12,559-97.7% | $10,802-97.3% | $12,315-97.6% |