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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 | $7,417 | $52,836-86.0% | $105,736-93.0% | $64,173-88.4% |
| Participation rate | 86.8% | 66.5%+20.3pp | 76.3%+10.5pp | 69.6%+17.3pp |
| Annual return | -4.52% | 14.30%-18.8pp | 6.27%-10.8pp | 7.63%-12.2pp |
| Employer contribution / active EE | $1,407 | $1,827-23.0% | $3,268-57.0% | $2,381-40.9% |
| Participant deferral / active EE | $3,034 | $2,545+19.2% | $4,080-25.6% | $3,470-12.6% |
| Admin fee / account holder | $432 | $3,959-89.1% | $6,913-93.8% | $4,887-91.2% |