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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 | $6,422 | $65,364-90.2% | $92,909-93.1% | $72,975-91.2% |
| Participation rate | 85.2% | 68.3%+16.9pp | 76.0%+9.2pp | 69.5%+15.7pp |
| Annual return | 68.89% | 42.11%+26.8pp | 109.44%-40.6pp | 81.01%-12.1pp |
| Employer contribution / active EE | $1,311 | $2,594-49.5% | $3,653-64.1% | $2,440-46.3% |
| Participant deferral / active EE | $3,141 | $3,128+0.4% | $4,238-25.9% | $3,608-12.9% |
| Admin fee / account holder | $496 | $4,251-88.3% | $5,795-91.4% | $5,124-90.3% |