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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,932 | $65,034-70.9% | $90,970-79.2% | $79,856-76.3% |
| Participation rate | 73.7% | 61.6%+12.1pp | 69.0%+4.7pp | 69.6%+4.0pp |
| Annual return | 15.13% | 30.45%-15.3pp | 134.60%-119.5pp | 31.71%-16.6pp |
| Employer contribution / active EE | $691 | $1,247-44.6% | $2,122-67.4% | $2,471-72.0% |
| Participant deferral / active EE | $3,426 | $2,512+36.4% | $3,373+1.6% | $3,741-8.4% |
| Admin fee / account holder | $3,076 | $4,536-32.2% | $5,961-48.4% | $5,306-42.0% |