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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 | $156,616+80.1% | $133,346+111.5% | $198,609+42.0% |
| Participation rate | 53.8% | 77.7%-23.9pp | 72.8%-19.0pp | 82.4%-28.5pp |
| Annual return | 12.15% | 44.25%-32.1pp | 36.85%-24.7pp | 202.70%-190.5pp |
| Employer contribution / active EE | $1,538 | $3,368-54.3% | $2,853-46.1% | $5,055-69.6% |
| Participant deferral / active EE | $5,596 | $4,920+13.7% | $4,332+29.2% | $6,977-19.8% |
| Admin fee / account holder | $203 | $17,468-98.8% | $14,264-98.6% | $19,030-98.9% |