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Participant 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 | $6,872 | $63,845-89.2% | $81,370-91.6% | $80,959-91.5% |
| Participation rate | 83.7% | 63.9%+19.8pp | 69.5%+14.2pp | 67.7%+16.1pp |
| Annual return | 14.01% | 16.37%-2.4pp | 24.85%-10.8pp | 35.67%-21.7pp |
| Employer contribution / active EE | $887 | $1,980-55.2% | $2,464-64.0% | $2,757-67.8% |
| Participant deferral / active EE | $251 | $3,093-91.9% | $3,885-93.6% | $4,300-94.2% |
| Admin fee / account holder | $2,056 | $5,688-63.9% | $5,749-64.2% | $6,925-70.3% |