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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 | $346,579 | $108,882+218.3% | $96,754+258.2% | $154,746+124.0% |
| Participation rate | 44.4% | 75.1%-30.6pp | 70.3%-25.8pp | 80.7%-36.3pp |
| Annual return | 10.90% | 98.39%-87.5pp | 82.04%-71.1pp | 172.34%-161.4pp |
| Employer contribution / active EE | $1,024 | $3,018-66.1% | $2,679-61.8% | $4,379-76.6% |
| Participant deferral / active EE | $4,529 | $5,323-14.9% | $4,758-4.8% | $6,730-32.7% |
| Admin fee / account holder | $0 | $10,200-100.0% | $8,905-100.0% | $14,365-100.0% |