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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 | $14,524 | $54,541-73.4% | $78,778-81.6% | $70,126-79.3% |
| Participation rate | 97.4% | 60.8%+36.6pp | 69.2%+28.2pp | 69.5%+27.9pp |
| Annual return | 39.81% | 21.07%+18.7pp | 35.62%+4.2pp | 73.15%-33.3pp |
| Employer contribution / active EE | $3,120 | $1,089+186.6% | $1,986+57.1% | $2,343+33.2% |
| Participant deferral / active EE | $5,610 | $2,210+153.8% | $2,958+89.6% | $3,332+68.4% |
| Admin fee / account holder | $1,025 | $3,709-72.4% | $5,134-80.0% | $4,645-77.9% |