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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 | $4,466 | $97,648-95.4% | $121,663-96.3% | $87,485-94.9% |
| Participation rate | 30.0% | 70.5%-40.5pp | 74.5%-44.5pp | 68.9%-38.9pp |
| Annual return | 12.03% | 18.03%-6.0pp | 147.54%-135.5pp | 26.06%-14.0pp |
| Employer contribution / active EE | $0 | $2,300-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $0 | $3,923-100.0% | $4,887-100.0% | $4,274-100.0% |
| Admin fee / account holder | $3,125 | $11,100-71.8% | $14,289-78.1% | $7,775-59.8% |