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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 | $331,396 | $209,425+58.2% | $178,499+85.7% | $158,966+108.5% |
| Participation rate | 55.6% | 86.4%-30.8pp | 81.9%-26.4pp | 82.0%-26.4pp |
| Annual return | 167.06% | 188.80%-21.7pp | 151.10%+16.0pp | 302.95%-135.9pp |
| Employer contribution / active EE | $4,865 | $5,707-14.8% | $5,011-2.9% | $4,762+2.2% |
| Participant deferral / active EE | $4,533 | $5,955-23.9% | $5,202-12.9% | $5,983-24.2% |
| Admin fee / account holder | $19 | $17,078-99.9% | $13,986-99.9% | $11,250-99.8% |