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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $101,344 | $159,934-36.6% | $147,005-31.1% | $145,959-30.6% |
| Participation rate | 54.5% | 84.0%-29.5pp | 82.2%-27.6pp | 80.3%-25.7pp |
| Annual return | 15.43% | 98.24%-82.8pp | 418.76%-403.3pp | 561.95%-546.5pp |
| Employer contribution / active EE | $924 | $5,287-82.5% | $4,934-81.3% | $4,661-80.2% |
| Participant deferral / active EE | $7,251 | $8,427-14.0% | $8,070-10.1% | $6,689+8.4% |
| Admin fee / account holder | $6,702 | $15,053-55.5% | $13,006-48.5% | $13,398-50.0% |