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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 | $282,084 | $112,729+150.2% | $98,716+185.8% | $137,256+105.5% |
| Participation rate | 53.8% | 74.2%-20.4pp | 69.3%-15.4pp | 80.0%-26.1pp |
| Annual return | 12.15% | 38.48%-26.3pp | 31.81%-19.7pp | 220.34%-208.2pp |
| Employer contribution / active EE | $1,538 | $2,725-43.6% | $2,279-32.5% | $4,156-63.0% |
| Participant deferral / active EE | $5,596 | $4,640+20.6% | $4,048+38.3% | $6,407-12.7% |
| Admin fee / account holder | $203 | $10,129-98.0% | $8,703-97.7% | $12,270-98.3% |