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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 | $5,040 | $37,436-86.5% | $77,513-93.5% | $79,858-93.7% |
| Participation rate | 100.0% | 41.5%+58.5pp | 54.2%+45.8pp | 69.6%+30.4pp |
| Annual return | 14.36% | 39.75%-25.4pp | 54.81%-40.5pp | 31.72%-17.4pp |
| Employer contribution / active EE | $837 | $637+31.4% | $987-15.2% | $2,471-66.1% |
| Participant deferral / active EE | $1,236 | $1,261-1.9% | $1,861-33.6% | $3,740-66.9% |
| Admin fee / account holder | $612 | $2,505-75.6% | $2,859-78.6% | $5,306-88.5% |