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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $95,935 | $185,342-48.2% | $111,306-13.8% | $86,821+10.5% |
| Participation rate | 31.9% | 81.0%-49.1pp | 77.3%-45.4pp | 72.3%-40.4pp |
| Annual return | 29.89% | 500.80%-470.9pp | 54.67%-24.8pp | 97.94%-68.0pp |
| Employer contribution / active EE | $0 | $2,246-100.0% | $2,732-100.0% | $2,406-100.0% |
| Participant deferral / active EE | $0 | $4,458-100.0% | $4,488-100.0% | $4,132-100.0% |
| Admin fee / account holder | $343 | $255+34.2% | $7,966-95.7% | $170+102.2% |