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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 | $3,012 | $88,815-96.6% | $81,882-96.3% | $145,897-97.9% |
| Participation rate | 5.3% | 75.1%-69.8pp | 72.4%-67.1pp | 80.3%-75.0pp |
| Annual return | 4.90% | 1033.75%-1028.8pp | 779.47%-774.6pp | 552.29%-547.4pp |
| Employer contribution / active EE | $0 | $3,086-100.0% | $2,916-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $0 | $4,647-100.0% | $4,323-100.0% | $6,689-100.0% |
| Admin fee / account holder | $4,793 | $8,434-43.2% | $7,360-34.9% | $13,390-64.2% |