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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 | $11,351 | $67,602-83.2% | $82,312-86.2% | $70,126-83.8% |
| Participation rate | 85.4% | 72.8%+12.6pp | 76.9%+8.5pp | 69.5%+15.9pp |
| Annual return | 17.73% | 21.57%-3.8pp | 25.88%-8.1pp | 73.15%-55.4pp |
| Employer contribution / active EE | $1,307 | $1,755-25.6% | $2,428-46.2% | $2,343-44.2% |
| Participant deferral / active EE | $1,539 | $2,987-48.5% | $3,706-58.5% | $3,332-53.8% |
| Admin fee / account holder | $1,271 | $4,512-71.8% | $5,608-77.3% | $4,645-72.6% |