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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 | $20,154 | $81,504-75.3% | $102,437-80.3% | $80,959-75.1% |
| Participation rate | 88.1% | 66.9%+21.2pp | 74.5%+13.6pp | 67.7%+20.4pp |
| Annual return | 15.18% | 25.60%-10.4pp | 24.95%-9.8pp | 35.67%-20.5pp |
| Employer contribution / active EE | $3,824 | $3,104+23.2% | $3,871-1.2% | $2,757+38.7% |
| Participant deferral / active EE | $5,525 | $3,871+42.7% | $5,060+9.2% | $4,300+28.5% |
| Admin fee / account holder | $2,314 | $6,719-65.6% | $8,388-72.4% | $6,925-66.6% |