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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 | $6,419 | $91,760-93.0% | $156,181-95.9% | $67,986-90.6% |
| Participation rate | 42.9% | 65.0%-22.2pp | 78.8%-36.0pp | 57.2%-14.4pp |
| Annual return | 12.96% | 18.14%-5.2pp | 64.87%-51.9pp | 31.67%-18.7pp |
| Employer contribution / active EE | $0 | $2,419-100.0% | $4,294-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $0 | $3,960-100.0% | $6,132-100.0% | $3,358-100.0% |
| Admin fee / account holder | $1,057 | $3,949-73.2% | $14,586-92.8% | $3,203-67.0% |