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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 | $336,183 | $209,425+60.5% | $178,499+88.3% | $158,966+111.5% |
| Participation rate | 60.0% | 86.4%-26.4pp | 81.9%-21.9pp | 82.0%-22.0pp |
| Annual return | 15.47% | 188.80%-173.3pp | 151.10%-135.6pp | 302.95%-287.5pp |
| Employer contribution / active EE | $2,983 | $5,707-47.7% | $5,011-40.5% | $4,762-37.4% |
| Participant deferral / active EE | $6,034 | $5,955+1.3% | $5,202+16.0% | $5,983+0.9% |
| Admin fee / account holder | $193 | $17,078-98.9% | $13,986-98.6% | $11,250-98.3% |