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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 | $55,871 | $138,076-59.5% | $123,553-54.8% | $135,380-58.7% |
| Participation rate | 68.8% | 84.7%-16.0pp | 82.3%-13.5pp | 82.6%-13.9pp |
| Annual return | 9.10% | 153.70%-144.6pp | 119.21%-110.1pp | 519.81%-510.7pp |
| Employer contribution / active EE | $1,753 | $5,152-66.0% | $4,628-62.1% | $4,779-63.3% |
| Participant deferral / active EE | $6,157 | $6,800-9.4% | $6,426-4.2% | $5,609+9.8% |
| Admin fee / account holder | $537 | $10,917-95.1% | $9,284-94.2% | $10,828-95.0% |