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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 | $14,101 | $77,816-81.9% | $123,552-88.6% | $64,173-78.0% |
| Participation rate | 80.0% | 74.7%+5.3pp | 82.3%-2.3pp | 69.6%+10.4pp |
| Annual return | -3.41% | 12.49%-15.9pp | 119.20%-122.6pp | 7.63%-11.0pp |
| Employer contribution / active EE | $2,142 | $3,014-28.9% | $4,628-53.7% | $2,381-10.0% |
| Participant deferral / active EE | $2,740 | $5,240-47.7% | $6,426-57.4% | $3,470-21.0% |
| Admin fee / account holder | $1,834 | $5,519-66.8% | $9,285-80.2% | $4,887-62.5% |