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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $15,446 | $56,894-72.9% | $84,753-81.8% | $62,881-75.4% |
| Participation rate | 97.2% | 68.5%+28.7pp | 76.6%+20.6pp | 69.3%+27.9pp |
| Annual return | 1.96% | 6.30%-4.3pp | 22.78%-20.8pp | 20.14%-18.2pp |
| Employer contribution / active EE | $4,884 | $2,400+103.5% | $3,574+36.6% | $2,281+114.1% |
| Participant deferral / active EE | $2,140 | $2,709-21.0% | $3,712-42.4% | $3,203-33.2% |
| Admin fee / account holder | $364 | $3,581-89.8% | $5,333-93.2% | $4,296-91.5% |