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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 | $124,980+125.7% | $108,359+160.3% | $154,746+82.3% |
| Participation rate | 53.8% | 75.2%-21.3pp | 70.1%-16.3pp | 80.7%-26.9pp |
| Annual return | 12.15% | 45.00%-32.8pp | 36.89%-24.7pp | 172.34%-160.2pp |
| Employer contribution / active EE | $1,538 | $2,851-46.0% | $2,399-35.9% | $4,379-64.9% |
| Participant deferral / active EE | $5,596 | $4,743+18.0% | $4,137+35.3% | $6,730-16.9% |
| Admin fee / account holder | $203 | $11,502-98.2% | $9,741-97.9% | $14,365-98.6% |