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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 | $283,329 | $124,330+127.9% | $109,173+159.5% | $167,536+69.1% |
| Participation rate | 30.4% | 79.5%-49.0pp | 75.9%-45.4pp | 82.1%-51.7pp |
| Annual return | 16.62% | 26.04%-9.4pp | 25.75%-9.1pp | 478.82%-462.2pp |
| Employer contribution / active EE | $1,010 | $4,209-76.0% | $3,723-72.9% | $4,839-79.1% |
| Participant deferral / active EE | $2,764 | $5,256-47.4% | $4,654-40.6% | $6,342-56.4% |
| Admin fee / account holder | $24 | $7,974-99.7% | $6,755-99.6% | $12,315-99.8% |