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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 | $459,356 | $106,247+332.3% | $96,515+375.9% | $139,466+229.4% |
| Participation rate | 33.3% | 77.8%-44.5pp | 74.3%-41.0pp | 80.3%-47.0pp |
| Annual return | 21.55% | 38.47%-16.9pp | 35.73%-14.2pp | 373.66%-352.1pp |
| Employer contribution / active EE | $5,750 | $4,106+40.0% | $3,740+53.8% | $4,754+21.0% |
| Participant deferral / active EE | $6,675 | $5,456+22.4% | $4,880+36.8% | $6,712-0.5% |
| Admin fee / account holder | $42 | $7,885-99.5% | $6,735-99.4% | $11,409-99.6% |