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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 | $12,886 | $93,064-86.2% | $74,577-82.7% | $273,972-95.3% |
| Participation rate | 82.4% | 74.9%+7.4pp | 68.1%+14.2pp | 83.0%-0.7pp |
| Annual return | 6.63% | 26.18%-19.5pp | 20.47%-13.8pp | 41.46%-34.8pp |
| Employer contribution / active EE | $2,314 | $3,160-26.8% | $2,525-8.4% | $4,869-52.5% |
| Participant deferral / active EE | $3,964 | $4,160-4.7% | $3,458+14.6% | $5,287-25.0% |
| Admin fee / account holder | $309 | $5,273-94.1% | $4,138-92.5% | $10,133-97.0% |