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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 | $20,392 | $78,423-74.0% | $95,964-78.8% | $79,856-74.5% |
| Participation rate | 92.1% | 73.5%+18.6pp | 77.1%+15.0pp | 69.6%+22.4pp |
| Annual return | 12.82% | 19.37%-6.6pp | 91.64%-78.8pp | 31.71%-18.9pp |
| Employer contribution / active EE | $1,236 | $1,945-36.5% | $2,541-51.4% | $2,471-50.0% |
| Participant deferral / active EE | $3,229 | $3,440-6.1% | $4,167-22.5% | $3,741-13.7% |
| Admin fee / account holder | $3,797 | $5,622-32.5% | $6,797-44.1% | $5,306-28.4% |