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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 | $20,023 | $72,492-72.4% | $87,102-77.0% | $72,983-72.6% |
| Participation rate | 93.5% | 72.8%+20.7pp | 76.9%+16.7pp | 69.5%+24.1pp |
| Annual return | 20.50% | 24.46%-4.0pp | 28.19%-7.7pp | 81.01%-60.5pp |
| Employer contribution / active EE | $1,389 | $1,894-26.7% | $2,521-44.9% | $2,440-43.1% |
| Participant deferral / active EE | $2,924 | $3,270-10.6% | $4,048-27.8% | $3,608-19.0% |
| Admin fee / account holder | $932 | $5,055-81.6% | $7,491-87.6% | $5,124-81.8% |