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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 | $725,120 | $217,432+233.5% | $185,849+290.2% | $167,536+332.8% |
| Participation rate | 50.0% | 86.1%-36.1pp | 81.7%-31.7pp | 82.1%-32.1pp |
| Annual return | 13.26% | 148.42%-135.2pp | 122.10%-108.8pp | 478.82%-465.6pp |
| Employer contribution / active EE | $7,774 | $5,875+32.3% | $5,169+50.4% | $4,839+60.7% |
| Participant deferral / active EE | $6,280 | $6,357-1.2% | $5,569+12.8% | $6,342-1.0% |
| Admin fee / account holder | $189 | $19,818-99.0% | $16,244-98.8% | $12,315-98.5% |