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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 | $142,972-77.9% | $214,702-85.3% | $86,983-63.7% |
| Participation rate | 54.1% | 84.9%-30.8pp | 87.5%-33.4pp | 69.5%-15.5pp |
| Annual return | 12.66% | 18.49%-5.8pp | 54.55%-41.9pp | 25.83%-13.2pp |
| Employer contribution / active EE | $0 | $4,635-100.0% | $6,461-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $0 | $6,568-100.0% | $9,147-100.0% | $4,194-100.0% |
| Admin fee / account holder | $872 | $17,617-95.1% | $19,830-95.6% | $7,856-88.9% |