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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 | $609,433 | $175,231+247.8% | $149,696+307.1% | $139,466+337.0% |
| Participation rate | 60.0% | 83.4%-23.4pp | 78.8%-18.8pp | 80.3%-20.3pp |
| Annual return | 21.54% | 166.77%-145.2pp | 134.46%-112.9pp | 373.66%-352.1pp |
| Employer contribution / active EE | $9,398 | $5,478+71.6% | $4,821+95.0% | $4,754+97.7% |
| Participant deferral / active EE | $6,390 | $6,521-2.0% | $5,682+12.5% | $6,712-4.8% |
| Admin fee / account holder | $21 | $16,155-99.9% | $13,212-99.8% | $11,409-99.8% |