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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 | $13,312 | $65,364-79.6% | $92,909-85.7% | $72,975-81.8% |
| Participation rate | 89.3% | 68.3%+21.0pp | 76.0%+13.3pp | 69.5%+19.8pp |
| Annual return | 24.50% | 42.11%-17.6pp | 109.44%-84.9pp | 81.01%-56.5pp |
| Employer contribution / active EE | $2,121 | $2,594-18.2% | $3,653-41.9% | $2,440-13.1% |
| Participant deferral / active EE | $4,196 | $3,128+34.1% | $4,238-1.0% | $3,608+16.3% |
| Admin fee / account holder | $3,649 | $4,251-14.2% | $5,795-37.0% | $5,124-28.8% |