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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 exceed $250,000 - top-decile high-value plan.
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 | $289,123 | $817,678-64.6% | $392,568-26.4% | $152,885+89.1% |
| Participation rate | 0.0% | 82.0%-82.0pp | 78.1%-78.1pp | 82.5%-82.5pp |
| Annual return | 19.60% | 22.84%-3.2pp | 24.42%-4.8pp | 345.39%-325.8pp |
| Employer contribution / active EE | $0 | $5,502-100.0% | $3,783-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $0 | $8,398-100.0% | $5,985-100.0% | $5,851-100.0% |
| Admin fee / account holder | $152,584 | $12,095+1161.5% | $6,260+2337.5% | $11,598+1215.6% |