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Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $15,418 | $69,444-77.8% | $92,985-83.4% | $87,485-82.4% |
| Participation rate | 96.5% | 63.3%+33.2pp | 69.5%+27.0pp | 68.9%+27.6pp |
| Annual return | 13.40% | 23.85%-10.5pp | 27.99%-14.6pp | 26.06%-12.7pp |
| Employer contribution / active EE | $300 | $1,917-84.3% | $2,662-88.7% | $2,596-88.4% |
| Participant deferral / active EE | $3,852 | $3,364+14.5% | $4,377-12.0% | $4,274-9.9% |
| Admin fee / account holder | $2,474 | $6,137-59.7% | $9,463-73.9% | $7,775-68.2% |