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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
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 | $32,544 | $98,240-66.9% | $82,312-60.5% | $147,586-77.9% |
| Participation rate | 60.0% | 79.7%-19.7pp | 76.9%-16.9pp | 82.8%-22.8pp |
| Annual return | 7.93% | 30.85%-22.9pp | 25.88%-18.0pp | 578.59%-570.7pp |
| Employer contribution / active EE | $563 | $3,192-82.3% | $2,428-76.8% | $4,876-88.4% |
| Participant deferral / active EE | $687 | $4,383-84.3% | $3,706-81.5% | $5,439-87.4% |
| Admin fee / account holder | $7,485 | $8,563-12.6% | $5,608+33.5% | $10,886-31.2% |