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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 | $8,495 | $54,763-84.5% | $90,324-90.6% | $72,976-88.4% |
| Participation rate | 82.1% | 65.2%+17.0pp | 73.3%+8.9pp | 69.5%+12.7pp |
| Annual return | 16.81% | 30.63%-13.8pp | 78.15%-61.3pp | 81.02%-64.2pp |
| Employer contribution / active EE | $998 | $2,093-52.3% | $2,856-65.1% | $2,440-59.1% |
| Participant deferral / active EE | $1,854 | $2,887-35.8% | $3,885-52.3% | $3,608-48.6% |
| Admin fee / account holder | $629 | $3,973-84.2% | $5,356-88.3% | $5,124-87.7% |