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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 | $20,069 | $71,872-72.1% | $86,691-76.8% | $68,495-70.7% |
| Participation rate | 92.7% | 72.2%+20.4pp | 76.6%+16.1pp | 67.9%+24.8pp |
| Annual return | -17.72% | 3.53%-21.2pp | 35.94%-53.7pp | -7.84%-9.9pp |
| Employer contribution / active EE | $2,636 | $2,173+21.3% | $2,837-7.1% | $2,596+1.5% |
| Participant deferral / active EE | $4,701 | $3,779+24.4% | $4,656+1.0% | $4,028+16.7% |
| Admin fee / account holder | $3,463 | $6,112-43.3% | $7,492-53.8% | $5,403-35.9% |