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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.)
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $51,086 | $226,105-77.4% | $182,540-72.0% | $152,897-66.6% |
| Participation rate | 56.3% | 82.5%-26.2pp | 78.0%-21.7pp | 82.5%-26.2pp |
| Annual return | 18.57% | 192.58%-174.0pp | 148.58%-130.0pp | 345.43%-326.9pp |
| Employer contribution / active EE | $644 | $4,978-87.1% | $4,076-84.2% | $4,764-86.5% |
| Participant deferral / active EE | $3,131 | $6,370-50.8% | $5,525-43.3% | $5,851-46.5% |
| Admin fee / account holder | $3,935 | $10,706-63.2% | $8,593-54.2% | $11,599-66.1% |