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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 | $349,326 | $115,810+201.6% | $101,271+244.9% | $158,966+119.7% |
| Participation rate | 33.3% | 79.4%-46.0pp | 75.8%-42.5pp | 82.0%-48.6pp |
| Annual return | 14.88% | 56.15%-41.3pp | 46.48%-31.6pp | 302.95%-288.1pp |
| Employer contribution / active EE | $2,249 | $4,175-46.1% | $3,660-38.5% | $4,762-52.8% |
| Participant deferral / active EE | $6,210 | $4,958+25.3% | $4,371+42.1% | $5,983+3.8% |
| Admin fee / account holder | $0 | $7,248-100.0% | $5,948-100.0% | $11,250-100.0% |