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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 | $329,180 | $70,366+367.8% | $66,674+393.7% | $138,895+137.0% |
| Participation rate | 22.2% | 76.2%-54.0pp | 73.7%-51.5pp | 79.9%-57.7pp |
| Annual return | 15.62% | 386.41%-370.8pp | 321.24%-305.6pp | 145.39%-129.8pp |
| Employer contribution / active EE | $404 | $2,765-85.4% | $2,620-84.6% | $4,194-90.4% |
| Participant deferral / active EE | $3,444 | $4,374-21.3% | $4,084-15.7% | $6,396-46.1% |
| Admin fee / account holder | $17 | $5,262-99.7% | $5,098-99.7% | $12,562-99.9% |