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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 | $14,347 | $106,524-86.5% | $152,301-90.6% | $87,485-83.6% |
| Participation rate | 97.7% | 75.8%+21.9pp | 82.4%+15.2pp | 68.9%+28.7pp |
| Annual return | 19.73% | 26.89%-7.2pp | 80.50%-60.8pp | 26.06%-6.3pp |
| Employer contribution / active EE | $2,717 | $3,371-19.4% | $4,624-41.3% | $2,596+4.6% |
| Participant deferral / active EE | $4,458 | $6,525-31.7% | $8,004-44.3% | $4,274+4.3% |
| Admin fee / account holder | $946 | $8,287-88.6% | $14,398-93.4% | $7,775-87.8% |