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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 | $305,497 | $93,064+228.3% | $74,577+309.6% | $273,972+11.5% |
| Participation rate | 15.4% | 74.9%-59.6pp | 68.1%-52.7pp | 83.0%-67.6pp |
| Annual return | 4.24% | 26.18%-21.9pp | 20.47%-16.2pp | 41.46%-37.2pp |
| Employer contribution / active EE | $297 | $3,160-90.6% | $2,525-88.2% | $4,869-93.9% |
| Participant deferral / active EE | $3,209 | $4,160-22.9% | $3,458-7.2% | $5,287-39.3% |
| Admin fee / account holder | $0 | $5,273-100.0% | $4,138-100.0% | $10,133-100.0% |