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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 | $348,717 | $104,664+233.2% | $85,693+306.9% | $167,518+108.2% |
| Participation rate | 57.1% | 76.4%-19.2pp | 69.9%-12.7pp | 82.1%-25.0pp |
| Annual return | 18.11% | 21.45%-3.3pp | 21.49%-3.4pp | 478.71%-460.6pp |
| Employer contribution / active EE | $3,660 | $3,337+9.7% | $2,618+39.8% | $4,838-24.4% |
| Participant deferral / active EE | $8,132 | $4,824+68.6% | $3,923+107.3% | $6,342+28.2% |
| Admin fee / account holder | $13 | $10,032-99.9% | $6,874-99.8% | $12,312-99.9% |