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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 | $45,041 | $36,948+21.9% | $73,658-38.9% | $87,485-48.5% |
| Participation rate | 68.2% | 46.8%+21.4pp | 57.0%+11.1pp | 68.9%-0.7pp |
| Annual return | 9.28% | 28.64%-19.4pp | 29.72%-20.4pp | 26.06%-16.8pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,032-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $0 | $1,379-100.0% | $2,062-100.0% | $4,274-100.0% |
| Admin fee / account holder | $2,120 | $2,531-16.2% | $3,357-36.8% | $7,775-72.7% |