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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 | $12,785 | $49,025-73.9% | $87,502-85.4% | $62,881-79.7% |
| Participation rate | 19.4% | 64.9%-45.5pp | 73.8%-54.4pp | 69.3%-49.9pp |
| Annual return | 11.89% | 10.02%+1.9pp | 12.21%-0.3pp | 20.14%-8.3pp |
| Employer contribution / active EE | $0 | $1,372-100.0% | $2,550-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $0 | $2,289-100.0% | $3,149-100.0% | $3,203-100.0% |
| Admin fee / account holder | $682 | $4,065-83.2% | $4,221-83.8% | $4,296-84.1% |