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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 | $31,607 | $149,446-78.9% | $256,809-87.7% | $94,015-66.4% |
| Participation rate | 54.1% | 85.3%-31.2pp | 88.5%-34.5pp | 70.8%-16.8pp |
| Annual return | 12.66% | 17.55%-4.9pp | 32.73%-20.1pp | 17.84%-5.2pp |
| Employer contribution / active EE | $0 | $4,596-100.0% | $7,263-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $0 | $6,491-100.0% | $9,520-100.0% | $4,249-100.0% |
| Admin fee / account holder | $872 | $24,035-96.4% | $25,146-96.5% | $8,951-90.3% |