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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 | $296,571 | $90,530+227.6% | $76,030+290.1% | $145,897+103.3% |
| Participation rate | 28.6% | 74.4%-45.9pp | 69.1%-40.5pp | 80.3%-51.7pp |
| Annual return | 11.42% | 625.08%-613.7pp | 361.54%-350.1pp | 552.29%-540.9pp |
| Employer contribution / active EE | $1,191 | $3,319-64.1% | $2,688-55.7% | $4,663-74.5% |
| Participant deferral / active EE | $8,714 | $5,164+68.7% | $4,257+104.7% | $6,689+30.3% |
| Admin fee / account holder | $0 | $8,383-100.0% | $6,421-100.0% | $13,390-100.0% |