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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 | $25,693 | $81,403-68.4% | $147,027-82.5% | $87,485-70.6% |
| Participation rate | 70.2% | 63.4%+6.8pp | 73.7%-3.5pp | 68.9%+1.3pp |
| Annual return | 11.73% | 16.51%-4.8pp | 20.23%-8.5pp | 26.06%-14.3pp |
| Employer contribution / active EE | $1,352 | $2,205-38.7% | $3,626-62.7% | $2,596-47.9% |
| Participant deferral / active EE | $2,603 | $3,315-21.5% | $4,933-47.2% | $4,274-39.1% |
| Admin fee / account holder | $21,127 | $6,755+212.8% | $12,223+72.9% | $7,775+171.7% |