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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 | $89,962 | $70,499+27.6% | $50,635+77.7% | $254,542-64.7% |
| Participation rate | 66.7% | 12.6%+54.0pp | 6.0%+60.7pp | 47.3%+19.3pp |
| Annual return | 14.93% | 10.98%+4.0pp | 18.06%-3.1pp | 12.16%+2.8pp |
| Employer contribution / active EE | $0 | $48,856-100.0% | $30,411-100.0% | $44,747-100.0% |
| Participant deferral / active EE | $0 | $0-100.0% | $40-100.0% | $170-100.0% |
| Admin fee / account holder | $8,095 | $2,698+200.0% | $1,675+383.4% | $17,640-54.1% |