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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 | $20,234 | $88,672-77.2% | $105,223-80.8% | $82,448-75.5% |
| Participation rate | 88.7% | 67.9%+20.8pp | 75.0%+13.6pp | 68.1%+20.6pp |
| Annual return | 18.08% | 30.86%-12.8pp | 180.65%-162.6pp | 41.64%-23.6pp |
| Employer contribution / active EE | $0 | $3,048-100.0% | $3,689-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,371 | $4,036+8.3% | $5,072-13.8% | $4,139+5.6% |
| Admin fee / account holder | $680 | $7,146-90.5% | $8,859-92.3% | $7,234-90.6% |