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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 | $299,971 | $141,004+112.7% | $112,273+167.2% | $139,466+115.1% |
| Participation rate | 45.5% | 79.2%-33.8pp | 72.4%-27.0pp | 80.3%-34.9pp |
| Annual return | 20.67% | 32.75%-12.1pp | 30.23%-9.6pp | 373.66%-353.0pp |
| Employer contribution / active EE | $1,107 | $4,285-74.2% | $3,431-67.7% | $4,754-76.7% |
| Participant deferral / active EE | $6,372 | $5,878+8.4% | $4,800+32.8% | $6,712-5.1% |
| Admin fee / account holder | $0 | $9,959-100.0% | $7,752-100.0% | $11,409-100.0% |