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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 | $13,580 | $38,595-64.8% | $80,004-83.0% | $52,331-74.0% |
| Participation rate | 74.8% | 64.5%+10.2pp | 73.0%+1.7pp | 68.1%+6.7pp |
| Annual return | -0.19% | 2.04%-2.2pp | 7.63%-7.8pp | 4.54%-4.7pp |
| Employer contribution / active EE | $1,095 | $1,133-3.4% | $2,473-55.7% | $1,882-41.8% |
| Participant deferral / active EE | $1,566 | $2,318-32.4% | $3,204-51.1% | $3,022-48.2% |
| Admin fee / account holder | $307 | $304+1.0% | $5,033-93.9% | $592-48.1% |