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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 | $293,969 | $124,330+136.4% | $109,173+169.3% | $167,536+75.5% |
| Participation rate | 52.2% | 79.5%-27.3pp | 75.9%-23.7pp | 82.1%-29.9pp |
| Annual return | 11.34% | 26.04%-14.7pp | 25.75%-14.4pp | 478.82%-467.5pp |
| Employer contribution / active EE | $2,436 | $4,209-42.1% | $3,723-34.6% | $4,839-49.6% |
| Participant deferral / active EE | $5,438 | $5,256+3.5% | $4,654+16.9% | $6,342-14.3% |
| Admin fee / account holder | $9 | $7,974-99.9% | $6,755-99.9% | $12,315-99.9% |