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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 | $8,823 | $49,025-82.0% | $87,502-89.9% | $62,881-86.0% |
| Participation rate | 86.1% | 64.9%+21.2pp | 73.8%+12.3pp | 69.3%+16.8pp |
| Annual return | 7.58% | 10.02%-2.4pp | 12.21%-4.6pp | 20.14%-12.6pp |
| Employer contribution / active EE | $1,484 | $1,372+8.2% | $2,550-41.8% | $2,281-34.9% |
| Participant deferral / active EE | $2,081 | $2,289-9.1% | $3,149-33.9% | $3,203-35.0% |
| Admin fee / account holder | $4,180 | $4,065+2.8% | $4,221-1.0% | $4,296-2.7% |