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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 | $358,552 | $118,875+201.6% | $96,572+271.3% | $167,553+114.0% |
| Participation rate | 45.5% | 75.5%-30.0pp | 69.8%-24.4pp | 82.1%-36.7pp |
| Annual return | 11.02% | 50.50%-39.5pp | 37.79%-26.8pp | 478.89%-467.9pp |
| Employer contribution / active EE | $1,062 | $3,121-66.0% | $2,357-54.9% | $4,840-78.1% |
| Participant deferral / active EE | $3,627 | $4,617-21.5% | $3,850-5.8% | $6,343-42.8% |
| Admin fee / account holder | $0 | $8,070-100.0% | $6,183-100.0% | $12,316-100.0% |