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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 | $4,002 | $90,607-95.6% | $79,467-95.0% | $135,380-97.0% |
| Participation rate | 47.4% | 76.0%-28.7pp | 73.3%-26.0pp | 82.6%-35.3pp |
| Annual return | -1.58% | 977.74%-979.3pp | 718.30%-719.9pp | 519.81%-521.4pp |
| Employer contribution / active EE | $0 | $3,068-100.0% | $2,800-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $0 | $4,050-100.0% | $3,704-100.0% | $5,609-100.0% |
| Admin fee / account holder | $963 | $5,895-83.7% | $5,104-81.1% | $10,828-91.1% |