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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $150,389 | $73,787+103.8% | $98,716+52.3% | $82,448+82.4% |
| Participation rate | 27.0% | 61.4%-34.4pp | 69.3%-42.3pp | 68.1%-41.0pp |
| Annual return | 9.80% | 18.57%-8.8pp | 31.81%-22.0pp | 41.64%-31.8pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $0 | $3,081-100.0% | $4,048-100.0% | $4,139-100.0% |
| Admin fee / account holder | $7,018 | $6,500+8.0% | $8,703-19.4% | $7,234-3.0% |