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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 | $8,320 | $62,589-86.7% | $76,768-89.2% | $64,173-87.0% |
| Participation rate | 100.0% | 72.8%+27.2pp | 77.0%+23.0pp | 69.6%+30.4pp |
| Annual return | -4.37% | -1.95%-2.4pp | 2.43%-6.8pp | 7.63%-12.0pp |
| Employer contribution / active EE | $1,132 | $1,832-38.2% | $2,485-54.5% | $2,381-52.5% |
| Participant deferral / active EE | $2,828 | $3,145-10.1% | $3,852-26.6% | $3,470-18.5% |
| Admin fee / account holder | $6,116 | $4,667+31.0% | $6,675-8.4% | $4,887+25.1% |