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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 | $363,085 | $97,125+273.8% | $86,233+321.1% | $137,256+164.5% |
| Participation rate | 66.7% | 74.2%-7.5pp | 69.0%-2.4pp | 80.0%-13.3pp |
| Annual return | 14.43% | 74.19%-59.8pp | 61.39%-47.0pp | 220.34%-205.9pp |
| Employer contribution / active EE | $915 | $2,841-67.8% | $2,504-63.5% | $4,156-78.0% |
| Participant deferral / active EE | $15,595 | $5,180+201.1% | $4,559+242.1% | $6,407+143.4% |
| Admin fee / account holder | -$419 | $9,725-104.3% | $8,342-105.0% | $12,270-103.4% |