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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 | $20,759 | $81,504-74.5% | $102,437-79.7% | $80,959-74.4% |
| Participation rate | 92.0% | 66.9%+25.1pp | 74.5%+17.5pp | 67.7%+24.3pp |
| Annual return | 13.37% | 25.60%-12.2pp | 24.95%-11.6pp | 35.67%-22.3pp |
| Employer contribution / active EE | $2,377 | $3,104-23.4% | $3,871-38.6% | $2,757-13.8% |
| Participant deferral / active EE | $3,948 | $3,871+2.0% | $5,060-22.0% | $4,300-8.2% |
| Admin fee / account holder | $4,842 | $6,719-27.9% | $8,388-42.3% | $6,925-30.1% |