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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 | $13,032 | $47,944-72.8% | $67,834-80.8% | $62,881-79.3% |
| Participation rate | 78.9% | 61.1%+17.8pp | 68.8%+10.1pp | 69.3%+9.6pp |
| Annual return | 26.68% | 11.77%+14.9pp | 138.47%-111.8pp | 20.14%+6.5pp |
| Employer contribution / active EE | $1,400 | $1,562-10.4% | $2,403-41.8% | $2,281-38.6% |
| Participant deferral / active EE | $2,693 | $2,247+19.9% | $3,160-14.8% | $3,203-15.9% |
| Admin fee / account holder | $1,911 | $3,712-48.5% | $4,622-58.7% | $4,296-55.5% |