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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 | $16,088 | $117,846-86.3% | $102,434-84.3% | $145,884-89.0% |
| Participation rate | 50.0% | 78.6%-28.6pp | 76.5%-26.5pp | 80.3%-30.3pp |
| Annual return | 12.26% | 31.90%-19.6pp | 29.46%-17.2pp | 551.85%-539.6pp |
| Employer contribution / active EE | $4,685 | $3,615+29.6% | $3,023+55.0% | $4,662+0.5% |
| Participant deferral / active EE | $14,221 | $5,733+148.0% | $5,055+181.3% | $6,690+112.6% |
| Admin fee / account holder | $9,545 | $13,356-28.5% | $9,462+0.9% | $13,392-28.7% |