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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 | $6,033 | $163,687-96.3% | $108,745-94.5% | $273,972-97.8% |
| Participation rate | 4.2% | 82.3%-78.2pp | 77.7%-73.5pp | 83.0%-78.8pp |
| Annual return | 3.59% | 31.16%-27.6pp | 46.22%-42.6pp | 41.46%-37.9pp |
| Employer contribution / active EE | $0 | $4,711-100.0% | $3,323-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $0 | $7,155-100.0% | $5,121-100.0% | $5,287-100.0% |
| Admin fee / account holder | $2,214 | $12,890-82.8% | $6,144-64.0% | $10,133-78.1% |