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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 | $159,934-44.9% | $147,005-40.1% | $145,959-39.7% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 16.36% | 98.24%-81.9pp | 418.76%-402.4pp | 561.95%-545.6pp |
| Employer contribution / active EE | $86,704 | $5,287+1539.9% | $4,934+1657.2% | $4,661+1760.3% |
| Participant deferral / active EE | $54,611 | $8,427+548.0% | $8,070+576.7% | $6,689+716.5% |
| Admin fee / account holder | $28 | $15,053-99.8% | $13,006-99.8% | $13,398-99.8% |