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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 | $74,669 | $58,523+27.6% | $99,475-24.9% | $72,975+2.3% |
| Participation rate | 42.9% | 64.6%-21.8pp | 73.8%-31.0pp | 69.5%-26.6pp |
| Annual return | -2.15% | 28.51%-30.7pp | 30.72%-32.9pp | 81.01%-83.2pp |
| Employer contribution / active EE | $0 | $1,512-100.0% | $2,540-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $0 | $2,606-100.0% | $3,619-100.0% | $3,608-100.0% |
| Admin fee / account holder | $4,059 | $4,102-1.0% | $6,252-35.1% | $5,124-20.8% |