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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 | $175,249 | $179,235-2.2% | $161,646+8.4% | $254,542-31.2% |
| Participation rate | 0.0% | 19.5%-19.5pp | 15.5%-15.5pp | 47.3%-47.3pp |
| Annual return | 3.95% | 12.78%-8.8pp | 12.93%-9.0pp | 12.16%-8.2pp |
| Employer contribution / active EE | $23,819 | $42,142-43.5% | $35,210-32.4% | $44,747-46.8% |
| Participant deferral / active EE | $0 | $435-100.0% | $458-100.0% | $170-100.0% |
| Admin fee / account holder | $21,492 | $5,275+307.4% | $4,659+361.3% | $17,640+21.8% |