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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 | $260,565 | $90,486+188.0% | $78,676+231.2% | $273,972-4.9% |
| Participation rate | 42.9% | 76.5%-33.7pp | 73.6%-30.7pp | 83.0%-40.2pp |
| Annual return | 5.68% | 75.62%-69.9pp | 62.19%-56.5pp | 41.46%-35.8pp |
| Employer contribution / active EE | $2,989 | $3,175-5.9% | $2,850+4.9% | $4,869-38.6% |
| Participant deferral / active EE | $7,243 | $3,901+85.7% | $3,517+106.0% | $5,287+37.0% |
| Admin fee / account holder | $17 | $5,263-99.7% | $4,510-99.6% | $10,133-99.8% |