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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 | $22,046 | $86,949-74.6% | $102,460-78.5% | $80,959-72.8% |
| Participation rate | 80.3% | 72.4%+7.9pp | 76.5%+3.8pp | 67.7%+12.7pp |
| Annual return | 14.00% | 18.89%-4.9pp | 29.47%-15.5pp | 35.67%-21.7pp |
| Employer contribution / active EE | $1,723 | $2,370-27.3% | $3,025-43.0% | $2,757-37.5% |
| Participant deferral / active EE | $2,369 | $4,121-42.5% | $5,056-53.2% | $4,300-44.9% |
| Admin fee / account holder | $5,551 | $8,048-31.0% | $9,460-41.3% | $6,925-19.8% |