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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 | $22,521 | $78,423-71.3% | $95,964-76.5% | $79,856-71.8% |
| Participation rate | 84.1% | 73.5%+10.6pp | 77.1%+7.0pp | 69.6%+14.5pp |
| Annual return | 14.92% | 19.37%-4.5pp | 91.64%-76.7pp | 31.71%-16.8pp |
| Employer contribution / active EE | $1,817 | $1,945-6.6% | $2,541-28.5% | $2,471-26.5% |
| Participant deferral / active EE | $2,455 | $3,440-28.6% | $4,167-41.1% | $3,741-34.4% |
| Admin fee / account holder | $636 | $5,622-88.7% | $6,797-90.6% | $5,306-88.0% |