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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 | $26,752 | $86,940-69.2% | $102,434-73.9% | $80,935-66.9% |
| Participation rate | 75.0% | 72.4%+2.6pp | 76.5%-1.5pp | 67.7%+7.3pp |
| Annual return | 13.43% | 18.89%-5.5pp | 29.46%-16.0pp | 35.66%-22.2pp |
| Employer contribution / active EE | $917 | $2,370-61.3% | $3,023-69.7% | $2,757-66.7% |
| Participant deferral / active EE | $3,048 | $4,121-26.0% | $5,055-39.7% | $4,299-29.1% |
| Admin fee / account holder | $11,036 | $8,047+37.1% | $9,462+16.6% | $6,924+59.4% |