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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 | $1,909 | $68,868-97.2% | $183,328-99.0% | $67,986-97.2% |
| Participation rate | 25.0% | 57.0%-32.0pp | 77.3%-52.3pp | 57.2%-32.2pp |
| Annual return | 9.56% | 28.80%-19.2pp | 29.67%-20.1pp | 31.67%-22.1pp |
| Employer contribution / active EE | $0 | $2,917-100.0% | $5,055-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $0 | $4,364-100.0% | $6,795-100.0% | $3,358-100.0% |
| Admin fee / account holder | $542 | $3,805-85.8% | $21,427-97.5% | $3,203-83.1% |