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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.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $188,278 | $162,812+15.6% | $133,971+40.5% | $158,966+18.4% |
| Participation rate | 13.3% | 83.2%-69.9pp | 79.8%-66.5pp | 82.0%-68.6pp |
| Annual return | -8.76% | 41.94%-50.7pp | 45.09%-53.9pp | 302.95%-311.7pp |
| Employer contribution / active EE | $0 | $4,976-100.0% | $3,919-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $0 | $5,910-100.0% | $5,047-100.0% | $5,983-100.0% |
| Admin fee / account holder | $4,269 | $11,741-63.6% | $8,929-52.2% | $11,250-62.1% |