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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 | $10,598 | $52,580-79.8% | $71,671-85.2% | $70,126-84.9% |
| Participation rate | 76.6% | 60.9%+15.7pp | 68.7%+7.8pp | 69.5%+7.0pp |
| Annual return | 14.60% | 20.25%-5.7pp | 20.65%-6.0pp | 73.15%-58.5pp |
| Employer contribution / active EE | $978 | $1,616-39.5% | $2,460-60.2% | $2,343-58.2% |
| Participant deferral / active EE | $2,119 | $2,386-11.2% | $3,438-38.4% | $3,332-36.4% |
| Admin fee / account holder | $1,779 | $3,653-51.3% | $5,558-68.0% | $4,645-61.7% |