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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 | $22,535 | $60,349-62.7% | $74,184-69.6% | $62,881-64.2% |
| Participation rate | 86.5% | 72.7%+13.8pp | 76.6%+9.9pp | 69.3%+17.2pp |
| Annual return | 4.98% | 21.38%-16.4pp | 17.74%-12.8pp | 20.14%-15.2pp |
| Employer contribution / active EE | $513 | $1,680-69.5% | $2,370-78.4% | $2,281-77.5% |
| Participant deferral / active EE | $1,937 | $2,856-32.2% | $3,550-45.4% | $3,203-39.5% |
| Admin fee / account holder | $6,153 | $4,261+44.4% | $5,586+10.2% | $4,296+43.2% |