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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 | $400,292 | $99,343+302.9% | $84,751+372.3% | $273,968+46.1% |
| Participation rate | 57.1% | 80.7%-23.5pp | 76.6%-19.4pp | 83.0%-25.9pp |
| Annual return | 6.55% | 22.93%-16.4pp | 22.78%-16.2pp | 41.45%-34.9pp |
| Employer contribution / active EE | $2,487 | $4,214-41.0% | $3,574-30.4% | $4,869-48.9% |
| Participant deferral / active EE | $4,974 | $4,269+16.5% | $3,712+34.0% | $5,287-5.9% |
| Admin fee / account holder | $45 | $6,645-99.3% | $5,333-99.2% | $10,132-99.6% |