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Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $1,281 | $45,109-97.2% | $85,187-98.5% | $77,736-98.4% |
| Participation rate | 95.5% | 48.7%+46.9pp | 67.5%+28.0pp | 70.6%+25.0pp |
| Annual return | -93.69% | 79.55%-173.2pp | 66.67%-160.4pp | 31.26%-125.0pp |
| Employer contribution / active EE | $9,713 | $1,602+506.5% | $2,732+255.5% | $2,728+256.1% |
| Participant deferral / active EE | $0 | $2,814-100.0% | $4,525-100.0% | $4,651-100.0% |
| Admin fee / account holder | $0 | $915-100.0% | $6,162-100.0% | $433-100.0% |