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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 | $64,517-89.3% | $81,438-91.6% | $80,874-91.5% |
| Participation rate | 83.7% | 63.9%+19.8pp | 69.5%+14.2pp | 67.6%+16.1pp |
| Annual return | 14.01% | 16.35%-2.3pp | 24.74%-10.7pp | 35.62%-21.6pp |
| Employer contribution / active EE | $887 | $1,982-55.3% | $2,460-64.0% | $2,756-67.8% |
| Participant deferral / active EE | $251 | $3,096-91.9% | $3,883-93.5% | $4,297-94.2% |
| Admin fee / account holder | $2,056 | $5,677-63.8% | $5,764-64.3% | $6,935-70.4% |