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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 | $23,178 | $108,825-78.7% | $156,181-85.2% | $82,448-71.9% |
| Participation rate | 89.7% | 72.4%+17.3pp | 78.8%+10.8pp | 68.1%+21.6pp |
| Annual return | 16.35% | 20.59%-4.2pp | 64.87%-48.5pp | 41.64%-25.3pp |
| Employer contribution / active EE | $1,435 | $2,870-50.0% | $4,294-66.6% | $2,551-43.8% |
| Participant deferral / active EE | $3,082 | $4,577-32.7% | $6,132-49.7% | $4,139-25.5% |
| Admin fee / account holder | $3,405 | $9,341-63.6% | $14,586-76.7% | $7,234-52.9% |