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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.)
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
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 | $107,552 | $160,070-32.8% | $147,117-26.9% | $145,897-26.3% |
| Participation rate | 14.3% | 84.0%-69.7pp | 82.2%-67.9pp | 80.3%-66.0pp |
| Annual return | 14.31% | 98.69%-84.4pp | 420.54%-406.2pp | 552.29%-538.0pp |
| Employer contribution / active EE | $1,920 | $5,285-63.7% | $4,932-61.1% | $4,663-58.8% |
| Participant deferral / active EE | $3,141 | $8,419-62.7% | $8,065-61.0% | $6,689-53.0% |
| Admin fee / account holder | $32,390 | $15,035+115.4% | $12,993+149.3% | $13,390+141.9% |