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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 | $5,349 | $64,462-91.7% | $81,482-93.4% | $80,911-93.4% |
| Participation rate | 89.6% | 63.9%+25.7pp | 69.5%+20.1pp | 67.6%+21.9pp |
| Annual return | 14.84% | 16.35%-1.5pp | 24.79%-9.9pp | 35.63%-20.8pp |
| Employer contribution / active EE | $1,431 | $1,979-27.7% | $2,463-41.9% | $2,756-48.1% |
| Participant deferral / active EE | $2,019 | $3,094-34.7% | $3,885-48.0% | $4,297-53.0% |
| Admin fee / account holder | $440 | $5,678-92.2% | $5,761-92.4% | $6,935-93.7% |