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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 | $12,859 | $52,306-75.4% | $69,779-81.6% | $62,881-79.6% |
| Participation rate | 79.5% | 67.2%+12.3pp | 71.8%+7.7pp | 69.3%+10.2pp |
| Annual return | 5.64% | 13.35%-7.7pp | 12.99%-7.3pp | 20.14%-14.5pp |
| Employer contribution / active EE | $1,818 | $1,799+1.1% | $2,338-22.2% | $2,281-20.3% |
| Participant deferral / active EE | $1,064 | $2,395-55.6% | $2,931-63.7% | $3,203-66.8% |
| Admin fee / account holder | $534 | $3,691-85.5% | $4,381-87.8% | $4,296-87.6% |