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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 | $11,251 | $59,839-81.2% | $81,988-86.3% | $79,858-85.9% |
| Participation rate | 76.3% | 61.6%+14.7pp | 69.3%+7.1pp | 69.6%+6.7pp |
| Annual return | 13.45% | 17.56%-4.1pp | 41.31%-27.9pp | 31.72%-18.3pp |
| Employer contribution / active EE | $1,854 | $1,713+8.2% | $2,498-25.8% | $2,471-25.0% |
| Participant deferral / active EE | $3,664 | $2,695+35.9% | $3,722-1.6% | $3,740-2.0% |
| Admin fee / account holder | $1,894 | $4,287-55.8% | $5,665-66.6% | $5,306-64.3% |