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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 | $8,365 | $63,845-86.9% | $81,370-89.7% | $80,959-89.7% |
| Participation rate | 83.8% | 63.9%+19.9pp | 69.5%+14.2pp | 67.7%+16.1pp |
| Annual return | 15.18% | 16.37%-1.2pp | 24.85%-9.7pp | 35.67%-20.5pp |
| Employer contribution / active EE | $1,298 | $1,980-34.4% | $2,464-47.3% | $2,757-52.9% |
| Participant deferral / active EE | $1,615 | $3,093-47.8% | $3,885-58.4% | $4,300-62.4% |
| Admin fee / account holder | $531 | $5,688-90.7% | $5,749-90.8% | $6,925-92.3% |