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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 | $8,666 | $58,493-85.2% | $84,023-89.7% | $72,976-88.1% |
| Participation rate | 94.4% | 61.2%+33.2pp | 69.0%+25.4pp | 69.5%+25.0pp |
| Annual return | 30.63% | 28.93%+1.7pp | 71.32%-40.7pp | 81.02%-50.4pp |
| Employer contribution / active EE | $1,490 | $1,163+28.1% | $1,984-24.9% | $2,440-38.9% |
| Participant deferral / active EE | $2,156 | $2,394-9.9% | $3,239-33.4% | $3,608-40.2% |
| Admin fee / account holder | $1,721 | $4,569-62.3% | $6,102-71.8% | $5,124-66.4% |