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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 | $14,762 | $58,493-74.8% | $84,023-82.4% | $72,976-79.8% |
| Participation rate | 78.1% | 61.2%+16.9pp | 69.0%+9.1pp | 69.5%+8.6pp |
| Annual return | 28.65% | 28.93%-0.3pp | 71.32%-42.7pp | 81.02%-52.4pp |
| Employer contribution / active EE | $1,361 | $1,163+17.0% | $1,984-31.4% | $2,440-44.2% |
| Participant deferral / active EE | $3,512 | $2,394+46.7% | $3,239+8.4% | $3,608-2.7% |
| Admin fee / account holder | $2,072 | $4,569-54.6% | $6,102-66.0% | $5,124-59.6% |