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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 | $9,628 | $62,583-84.6% | $76,767-87.5% | $64,173-85.0% |
| Participation rate | 96.4% | 72.8%+23.6pp | 77.0%+19.5pp | 69.6%+26.9pp |
| Annual return | -6.79% | -1.95%-4.8pp | 2.43%-9.2pp | 7.63%-14.4pp |
| Employer contribution / active EE | $1,607 | $1,832-12.3% | $2,485-35.3% | $2,381-32.5% |
| Participant deferral / active EE | $2,129 | $3,145-32.3% | $3,852-44.7% | $3,470-38.6% |
| Admin fee / account holder | $561 | $4,667-88.0% | $6,675-91.6% | $4,887-88.5% |