A time-dependent collisional-radiative average-atom model is presented to study statistical properties of highly charged ion plasmas in off-equilibrium conditions. The time evolution of electron populations and the electron covariance matrix is obtained as approximate solutions of a master equation. Atomic structure is described either with a screened-hydrogenic model including l splitting, or by calculating one-electron states in a self-consistent average-atom potential. Collisional and radiative excitation/deexcitation and ionization/recombination rates, as well as autoionization and dielectronic recombination rates, are formulated within the average-configuration framework. Local thermodynamic equilibrium is obtained as a specific steady-state solution. The influence of atomic structure and the role of autoionization and dielectronic recombination processes are studied by calculating steady-state average ionization and ionization variance of hot plasmas with or without radiation field.