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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 | $14,385 | $84,236-82.9% | $170,435-91.6% | $70,126-79.5% |
| Participation rate | 91.4% | 70.8%+20.6pp | 83.6%+7.8pp | 69.5%+21.9pp |
| Annual return | 16.42% | 23.06%-6.6pp | 205.94%-189.5pp | 73.15%-56.7pp |
| Employer contribution / active EE | $427 | $3,387-87.4% | $5,432-92.1% | $2,343-81.8% |
| Participant deferral / active EE | $4,907 | $3,086+59.0% | $4,939-0.7% | $3,332+47.3% |
| Admin fee / account holder | $3,129 | $5,698-45.1% | $13,881-77.5% | $4,645-32.6% |