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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 | $17,841 | $76,834-76.8% | $108,359-83.5% | $87,485-79.6% |
| Participation rate | 97.4% | 61.7%+35.6pp | 70.1%+27.2pp | 68.9%+28.4pp |
| Annual return | 18.10% | 19.09%-1.0pp | 36.89%-18.8pp | 26.06%-8.0pp |
| Employer contribution / active EE | $1,592 | $1,556+2.3% | $2,399-33.7% | $2,596-38.7% |
| Participant deferral / active EE | $2,467 | $3,100-20.4% | $4,137-40.4% | $4,274-42.3% |
| Admin fee / account holder | $2,197 | $6,537-66.4% | $9,741-77.4% | $7,775-71.7% |