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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 | $19,083 | $62,583-69.5% | $76,767-75.1% | $64,173-70.3% |
| Participation rate | 82.4% | 72.8%+9.5pp | 77.0%+5.4pp | 69.6%+12.8pp |
| Annual return | -5.35% | -1.95%-3.4pp | 2.43%-7.8pp | 7.63%-13.0pp |
| Employer contribution / active EE | $1,113 | $1,832-39.3% | $2,485-55.2% | $2,381-53.3% |
| Participant deferral / active EE | $1,831 | $3,145-41.8% | $3,852-52.5% | $3,470-47.2% |
| Admin fee / account holder | $1,344 | $4,667-71.2% | $6,675-79.9% | $4,887-72.5% |