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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 | $109,620-95.9% | $148,496-97.0% | $94,015-95.3% |
| Participation rate | 30.0% | 71.3%-41.3pp | 76.0%-46.0pp | 70.8%-40.8pp |
| Annual return | 12.03% | 17.54%-5.5pp | 12.33%-0.3pp | 17.84%-5.8pp |
| Employer contribution / active EE | $0 | $2,618-100.0% | $3,497-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $0 | $3,831-100.0% | $4,808-100.0% | $4,249-100.0% |
| Admin fee / account holder | $3,125 | $10,050-68.9% | $19,547-84.0% | $8,951-65.1% |