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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 | $428,816 | $112,935+279.7% | $90,970+371.4% | $158,966+169.8% |
| Participation rate | 50.0% | 74.7%-24.7pp | 69.0%-19.0pp | 82.0%-32.0pp |
| Annual return | 26.15% | 215.79%-189.6pp | 134.58%-108.4pp | 302.95%-276.8pp |
| Employer contribution / active EE | $1,701 | $2,895-41.2% | $2,122-19.8% | $4,762-64.3% |
| Participant deferral / active EE | $3,316 | $4,129-19.7% | $3,373-1.7% | $5,983-44.6% |
| Admin fee / account holder | $41 | $8,045-99.5% | $5,960-99.3% | $11,250-99.6% |