Filed August 11, 2025
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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 | $16,211 | $69,977-76.8% | $108,582-85.1% | $62,881-74.2% |
| Participation rate | 95.5% | 72.9%+22.6pp | 79.6%+15.9pp | 69.3%+26.1pp |
| Annual return | 8.79% | 10.73%-1.9pp | -51.70%+60.5pp | 20.14%-11.4pp |
| Employer contribution / active EE | $5,410 | $2,135+153.4% | $3,758+43.9% | $2,281+137.2% |
| Participant deferral / active EE | $1,818 | $3,165-42.5% | $4,311-57.8% | $3,203-43.2% |
| Admin fee / account holder | $1,092 | $5,076-78.5% | $7,645-85.7% | $4,296-74.6% |