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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.
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 | $3,548 | $154,228-97.7% | $145,433-97.6% | $137,256-97.4% |
| Participation rate | 66.7% | 83.8%-17.1pp | 82.1%-15.5pp | 80.0%-13.3pp |
| Annual return | -45.21% | 74.59%-119.8pp | 66.58%-111.8pp | 220.34%-265.5pp |
| Employer contribution / active EE | $4,191 | $4,804-12.8% | $4,554-8.0% | $4,156+0.8% |
| Participant deferral / active EE | $7,810 | $8,216-4.9% | $7,897-1.1% | $6,407+21.9% |
| Admin fee / account holder | $5,540 | $14,344-61.4% | $13,129-57.8% | $12,270-54.8% |