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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 | $264,926 | $129,737+104.2% | $119,126+122.4% | $154,746+71.2% |
| Participation rate | 17.4% | 78.9%-61.5pp | 75.8%-58.4pp | 80.7%-63.3pp |
| Annual return | 19.58% | 379.08%-359.5pp | 282.11%-262.5pp | 172.34%-152.8pp |
| Employer contribution / active EE | $1,458 | $4,375-66.7% | $4,034-63.9% | $4,379-66.7% |
| Participant deferral / active EE | $3,424 | $5,842-41.4% | $5,318-35.6% | $6,730-49.1% |
| Admin fee / account holder | $0 | $11,961-100.0% | $10,693-100.0% | $14,365-100.0% |