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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $103,024-23.7% | $112,040-29.8% | $79,634-1.3% |
| Participation rate | 25.2% | 80.6%-55.4pp | 76.5%-51.3pp | 62.5%-37.3pp |
| Annual return | 7.62% | 17.60%-10.0pp | 24.52%-16.9pp | 36.46%-28.8pp |
| Employer contribution / active EE | $0 | $3,015-100.0% | $2,954-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $0 | $5,233-100.0% | $5,098-100.0% | $3,835-100.0% |
| Admin fee / account holder | $441 | $465-5.2% | $12,098-96.4% | $1,002-56.0% |