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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 | $16,197 | $78,682-79.4% | $109,188-85.2% | $85,851-81.1% |
| Participation rate | 93.5% | 68.3%+25.3pp | 75.9%+17.7pp | 69.3%+24.2pp |
| Annual return | 16.38% | 25.09%-8.7pp | 25.76%-9.4pp | 318.63%-302.3pp |
| Employer contribution / active EE | $1,448 | $2,734-47.0% | $3,723-61.1% | $2,565-43.6% |
| Participant deferral / active EE | $3,815 | $3,468+10.0% | $4,654-18.0% | $3,952-3.5% |
| Admin fee / account holder | $454 | $5,470-91.7% | $6,755-93.3% | $6,261-92.7% |