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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $88,079 | $160,070-45.0% | $147,117-40.1% | $145,897-39.6% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 16.36% | 98.69%-82.3pp | 420.54%-404.2pp | 552.29%-535.9pp |
| Employer contribution / active EE | $86,704 | $5,285+1540.7% | $4,932+1657.8% | $4,663+1759.6% |
| Participant deferral / active EE | $54,611 | $8,419+548.6% | $8,065+577.2% | $6,689+716.4% |
| Admin fee / account holder | $28 | $15,035-99.8% | $12,993-99.8% | $13,390-99.8% |