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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 | $7,523 | $58,512-87.1% | $84,020-91.0% | $72,983-89.7% |
| Participation rate | 80.0% | 61.2%+18.8pp | 69.0%+11.0pp | 69.5%+10.5pp |
| Annual return | 21.53% | 28.93%-7.4pp | 71.31%-49.8pp | 81.01%-59.5pp |
| Employer contribution / active EE | $299 | $1,163-74.3% | $1,984-84.9% | $2,440-87.8% |
| Participant deferral / active EE | $2,148 | $2,394-10.3% | $3,239-33.7% | $3,608-40.5% |
| Admin fee / account holder | $429 | $4,569-90.6% | $6,101-93.0% | $5,124-91.6% |