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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 | $3,033 | $106,923-97.2% | $84,023-96.4% | $152,909-98.0% |
| Participation rate | 33.3% | 75.3%-41.9pp | 69.0%-35.7pp | 82.5%-49.1pp |
| Annual return | -84.48% | 105.02%-189.5pp | 71.32%-155.8pp | 345.46%-429.9pp |
| Employer contribution / active EE | $31,408 | $2,735+1048.2% | $1,984+1483.1% | $4,764+559.3% |
| Participant deferral / active EE | $19,968 | $4,013+397.6% | $3,239+516.4% | $5,851+241.3% |
| Admin fee / account holder | $5,620 | $8,289-32.2% | $6,102-7.9% | $11,601-51.6% |