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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 | $559,049 | $209,422+166.9% | $178,503+213.2% | $158,982+251.6% |
| Participation rate | 50.0% | 86.4%-36.4pp | 81.9%-31.9pp | 82.0%-32.0pp |
| Annual return | 6.95% | 188.81%-181.9pp | 151.12%-144.2pp | 302.99%-296.0pp |
| Employer contribution / active EE | $3,300 | $5,707-42.2% | $5,011-34.1% | $4,763-30.7% |
| Participant deferral / active EE | $11,229 | $5,955+88.6% | $5,202+115.8% | $5,983+87.7% |
| Admin fee / account holder | $265 | $17,079-98.4% | $13,987-98.1% | $11,252-97.6% |