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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 | $8,545 | $65,034-86.9% | $90,970-90.6% | $79,856-89.3% |
| Participation rate | 96.6% | 61.6%+34.9pp | 69.0%+27.5pp | 69.6%+26.9pp |
| Annual return | 23.39% | 30.45%-7.1pp | 134.60%-111.2pp | 31.71%-8.3pp |
| Employer contribution / active EE | $1,290 | $1,247+3.4% | $2,122-39.2% | $2,471-47.8% |
| Participant deferral / active EE | $1,985 | $2,512-21.0% | $3,373-41.1% | $3,741-46.9% |
| Admin fee / account holder | $452 | $4,536-90.0% | $5,961-92.4% | $5,306-91.5% |