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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 | $301,387 | $57,061+428.2% | $85,063+254.3% | $80,911+272.5% |
| Participation rate | 32.3% | 56.3%-24.1pp | 67.5%-35.2pp | 67.6%-35.4pp |
| Annual return | 10.58% | 21.66%-11.1pp | 66.54%-56.0pp | 35.63%-25.0pp |
| Employer contribution / active EE | $1,847 | $1,799+2.7% | $2,727-32.3% | $2,756-33.0% |
| Participant deferral / active EE | $4,548 | $3,110+46.2% | $4,523+0.6% | $4,297+5.8% |
| Admin fee / account holder | $0 | $4,986-100.0% | $6,155-100.0% | $6,935-100.0% |