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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 | $10,325 | $72,486-85.8% | $87,103-88.1% | $72,976-85.9% |
| Participation rate | 81.5% | 72.8%+8.7pp | 76.9%+4.6pp | 69.5%+12.0pp |
| Annual return | 22.16% | 24.46%-2.3pp | 28.19%-6.0pp | 81.02%-58.9pp |
| Employer contribution / active EE | $467 | $1,894-75.4% | $2,521-81.5% | $2,440-80.9% |
| Participant deferral / active EE | $4,101 | $3,270+25.4% | $4,049+1.3% | $3,608+13.7% |
| Admin fee / account holder | $416 | $5,055-91.8% | $7,491-94.4% | $5,124-91.9% |