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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 | $377,839 | $71,230+430.4% | $93,727+303.1% | $80,959+366.7% |
| Participation rate | 28.0% | 60.4%-32.4pp | 68.7%-40.7pp | 67.7%-39.7pp |
| Annual return | 14.25% | 11.26%+3.0pp | 133.83%-119.6pp | 35.67%-21.4pp |
| Employer contribution / active EE | $1,344 | $1,565-14.2% | $2,421-44.5% | $2,757-51.3% |
| Participant deferral / active EE | $2,968 | $4,037-26.5% | $4,417-32.8% | $4,300-31.0% |
| Admin fee / account holder | $33 | $6,961-99.5% | $8,292-99.6% | $6,925-99.5% |