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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 | $505,558 | $226,105+123.6% | $182,540+177.0% | $152,897+230.7% |
| Participation rate | 50.0% | 82.5%-32.5pp | 78.0%-28.0pp | 82.5%-32.5pp |
| Annual return | 8.93% | 192.58%-183.7pp | 148.58%-139.7pp | 345.43%-336.5pp |
| Employer contribution / active EE | $18,500 | $4,978+271.6% | $4,076+353.9% | $4,764+288.4% |
| Participant deferral / active EE | $12,500 | $6,370+96.2% | $5,525+126.2% | $5,851+113.6% |
| Admin fee / account holder | $0 | $10,706-100.0% | $8,593-100.0% | $11,599-100.0% |