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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 | $355,159 | $103,387+243.5% | $87,102+307.8% | $152,885+132.3% |
| Participation rate | 60.0% | 79.4%-19.4pp | 76.9%-16.9pp | 82.5%-22.5pp |
| Annual return | 16.99% | 28.10%-11.1pp | 28.19%-11.2pp | 345.39%-328.4pp |
| Employer contribution / active EE | $3,100 | $3,221-3.7% | $2,521+23.0% | $4,763-34.9% |
| Participant deferral / active EE | $4,300 | $4,778-10.0% | $4,048+6.2% | $5,851-26.5% |
| Admin fee / account holder | $20 | $12,193-99.8% | $7,491-99.7% | $11,598-99.8% |