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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 | $26,009 | $101,778-74.4% | $164,975-84.2% | $80,925-67.9% |
| Participation rate | 88.0% | 71.8%+16.2pp | 78.6%+9.4pp | 67.7%+20.3pp |
| Annual return | 12.88% | 16.73%-3.8pp | 70.12%-57.2pp | 35.65%-22.8pp |
| Employer contribution / active EE | $2,520 | $2,954-14.7% | $4,343-42.0% | $2,756-8.6% |
| Participant deferral / active EE | $3,209 | $4,477-28.3% | $6,033-46.8% | $4,299-25.3% |
| Admin fee / account holder | $3,208 | $8,221-61.0% | $12,688-74.7% | $6,940-53.8% |