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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,363 | $64,359-93.2% | $90,161-95.2% | $70,126-93.8% |
| Participation rate | 25.0% | 70.4%-45.4pp | 76.9%-51.9pp | 69.5%-44.5pp |
| Annual return | 15.28% | 28.13%-12.9pp | 34.89%-19.6pp | 73.15%-57.9pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $0 | $4,389-100.0% | $5,287-100.0% | $3,332-100.0% |
| Admin fee / account holder | $551 | $3,945-86.0% | $5,943-90.7% | $4,645-88.1% |