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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 | $8,286 | $102,429-91.9% | $147,096-94.4% | $80,925-89.8% |
| Participation rate | 78.8% | 75.9%+2.9pp | 82.2%-3.4pp | 67.7%+11.1pp |
| Annual return | 12.74% | 135.02%-122.3pp | 419.75%-407.0pp | 35.65%-22.9pp |
| Employer contribution / active EE | $1,228 | $3,716-67.0% | $4,936-75.1% | $2,756-55.4% |
| Participant deferral / active EE | $2,684 | $6,649-59.6% | $8,071-66.7% | $4,299-37.6% |
| Admin fee / account holder | $1,360 | $7,957-82.9% | $13,005-89.5% | $6,940-80.4% |