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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 | $96,782-18.7% | $140,514-44.0% | $69,255+13.5% |
| Participation rate | 25.2% | 81.0%-55.8pp | 77.8%-52.6pp | 69.0%-43.9pp |
| Annual return | 7.62% | 11.56%-3.9pp | 14.36%-6.7pp | 26.73%-19.1pp |
| Employer contribution / active EE | $0 | $3,063-100.0% | $3,378-100.0% | $2,645-100.0% |
| Participant deferral / active EE | $0 | $4,233-100.0% | $4,919-100.0% | $2,890-100.0% |
| Admin fee / account holder | $441 | $275+60.3% | $13,697-96.8% | $733-39.9% |