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Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $4,956 | $45,872-89.2% | $77,096-93.6% | $68,486-92.8% |
| Participation rate | 83.3% | 55.9%+27.4pp | 67.9%+15.4pp | 67.9%+15.4pp |
| Annual return | -17.00% | 1.73%-18.7pp | 42.35%-59.3pp | -7.85%-9.1pp |
| Employer contribution / active EE | $0 | $1,650-100.0% | $2,814-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,324 | $2,963-55.3% | $4,429-70.1% | $4,028-67.1% |
| Admin fee / account holder | $1,546 | $3,041-49.2% | $5,428-71.5% | $5,404-71.4% |