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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 | $295,602 | $100,139+195.2% | $85,187+247.0% | $145,884+102.6% |
| Participation rate | 50.0% | 74.1%-24.1pp | 67.5%-17.5pp | 80.3%-30.3pp |
| Annual return | 23.41% | 84.15%-60.7pp | 66.67%-43.3pp | 551.85%-528.4pp |
| Employer contribution / active EE | $1,105 | $3,238-65.9% | $2,732-59.5% | $4,662-76.3% |
| Participant deferral / active EE | $10,397 | $5,296+96.3% | $4,525+129.8% | $6,690+55.4% |
| Admin fee / account holder | $15 | $7,262-99.8% | $6,162-99.8% | $13,392-99.9% |