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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 | $95,904-93.3% | $173,730-96.3% | $64,340-90.0% |
| Participation rate | 42.9% | 60.6%-17.8pp | 79.6%-36.7pp | 55.2%-12.4pp |
| Annual return | 12.96% | 17.47%-4.5pp | 19.96%-7.0pp | 24.14%-11.2pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $4,577-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $0 | $3,488-100.0% | $6,326-100.0% | $2,980-100.0% |
| Admin fee / account holder | $1,057 | $5,089-79.2% | $17,523-94.0% | $3,703-71.4% |