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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 | $32,401 | $110,083-70.6% | $151,645-78.6% | $68,490-52.7% |
| Participation rate | 57.1% | 84.0%-26.8pp | 87.5%-30.4pp | 67.9%-10.8pp |
| Annual return | -8.40% | -10.12%+1.7pp | 3.34%-11.7pp | -7.85%-0.5pp |
| Employer contribution / active EE | $0 | $4,470-100.0% | $6,165-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $0 | $6,526-100.0% | $8,363-100.0% | $4,028-100.0% |
| Admin fee / account holder | $9,121 | $7,718+18.2% | $11,614-21.5% | $5,403+68.8% |