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Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $2,629 | $56,894-95.4% | $84,753-96.9% | $62,881-95.8% |
| Participation rate | 71.2% | 68.5%+2.6pp | 76.6%-5.4pp | 69.3%+1.9pp |
| Annual return | 2.51% | 6.30%-3.8pp | 22.78%-20.3pp | 20.14%-17.6pp |
| Employer contribution / active EE | $892 | $2,400-62.8% | $3,574-75.1% | $2,281-60.9% |
| Participant deferral / active EE | $117 | $2,709-95.7% | $3,712-96.8% | $3,203-96.3% |
| Admin fee / account holder | $410 | $3,581-88.5% | $5,333-92.3% | $4,296-90.4% |