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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 | $293,288 | $167,353+75.3% | $143,797+104.0% | $134,545+118.0% |
| Participation rate | 22.7% | 84.8%-62.1pp | 80.3%-57.6pp | 81.2%-58.5pp |
| Annual return | -14.57% | 0.48%-15.0pp | -0.04%-14.5pp | 418.37%-432.9pp |
| Employer contribution / active EE | $3,557 | $5,620-36.7% | $4,952-28.2% | $4,742-25.0% |
| Participant deferral / active EE | $5,568 | $6,447-13.6% | $5,638-1.2% | $6,401-13.0% |
| Admin fee / account holder | $53 | $18,096-99.7% | $14,679-99.6% | $11,431-99.5% |