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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 | $2,784 | $48,078-94.2% | $78,676-96.5% | $62,881-95.6% |
| Participation rate | 78.4% | 65.2%+13.2pp | 73.6%+4.8pp | 69.3%+9.1pp |
| Annual return | 12.77% | 31.36%-18.6pp | 62.19%-49.4pp | 20.14%-7.4pp |
| Employer contribution / active EE | $568 | $2,015-71.8% | $2,850-80.1% | $2,281-75.1% |
| Participant deferral / active EE | $1,695 | $2,587-34.5% | $3,517-51.8% | $3,203-47.1% |
| Admin fee / account holder | $932 | $3,206-70.9% | $4,510-79.3% | $4,296-78.3% |