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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 | $373,592 | $162,821+129.4% | $133,978+178.8% | $158,982+135.0% |
| Participation rate | 55.6% | 83.2%-27.7pp | 79.8%-24.3pp | 82.0%-26.4pp |
| Annual return | 12.28% | 41.95%-29.7pp | 45.10%-32.8pp | 302.99%-290.7pp |
| Employer contribution / active EE | $1,021 | $4,976-79.5% | $3,919-73.9% | $4,763-78.6% |
| Participant deferral / active EE | $6,162 | $5,910+4.3% | $5,047+22.1% | $5,983+3.0% |
| Admin fee / account holder | $123 | $11,742-99.0% | $8,930-98.6% | $11,252-98.9% |