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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.)
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,636 | $100,061-21.4% | $120,344-34.7% | $64,728+21.5% |
| Participation rate | 25.2% | 79.8%-54.7pp | 76.7%-51.5pp | 57.9%-32.7pp |
| Annual return | 7.62% | 16.53%-8.9pp | 20.30%-12.7pp | 49.38%-41.8pp |
| Employer contribution / active EE | $0 | $3,112-100.0% | $3,020-100.0% | $2,243-100.0% |
| Participant deferral / active EE | $0 | $4,955-100.0% | $5,135-100.0% | $2,729-100.0% |
| Admin fee / account holder | $441 | $428+2.9% | $12,742-96.5% | $1,145-61.5% |