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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 | $17,444 | $86,949-79.9% | $102,460-83.0% | $80,959-78.5% |
| Participation rate | 80.6% | 72.4%+8.3pp | 76.5%+4.1pp | 67.7%+13.0pp |
| Annual return | 13.65% | 18.89%-5.2pp | 29.47%-15.8pp | 35.67%-22.0pp |
| Employer contribution / active EE | $949 | $2,370-60.0% | $3,025-68.6% | $2,757-65.6% |
| Participant deferral / active EE | $3,164 | $4,121-23.2% | $5,056-37.4% | $4,300-26.4% |
| Admin fee / account holder | $304 | $8,048-96.2% | $9,460-96.8% | $6,925-95.6% |