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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.
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,306 | $181,896-86.1% | $156,551-83.8% | $273,972-90.8% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 10.20% | 30.74%-20.5pp | 32.23%-22.0pp | 41.46%-31.3pp |
| Employer contribution / active EE | $2,316 | $6,248-62.9% | $5,501-57.9% | $4,869-52.4% |
| Participant deferral / active EE | $3,880 | $5,550-30.1% | $4,871-20.3% | $5,287-26.6% |
| Admin fee / account holder | $752 | $15,560-95.2% | $13,028-94.2% | $10,133-92.6% |