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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 | $368,087 | $228,352+61.2% | $185,835+98.1% | $158,966+131.6% |
| Participation rate | 58.8% | 82.3%-23.5pp | 78.0%-19.2pp | 82.0%-23.1pp |
| Annual return | 19.89% | 40.81%-20.9pp | 35.96%-16.1pp | 302.95%-283.1pp |
| Employer contribution / active EE | $3,529 | $4,967-28.9% | $4,087-13.7% | $4,762-25.9% |
| Participant deferral / active EE | $6,305 | $6,416-1.7% | $5,633+11.9% | $5,983+5.4% |
| Admin fee / account holder | $227 | $11,867-98.1% | $9,502-97.6% | $11,250-98.0% |