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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 | $5,877 | $54,380-89.2% | $68,509-91.4% | $59,633-90.1% |
| Participation rate | 82.9% | 70.2%+12.7pp | 74.7%+8.1pp | 68.7%+14.2pp |
| Annual return | 15.75% | 2.83%+12.9pp | 8.27%+7.5pp | 2041.45%-2025.7pp |
| Employer contribution / active EE | $1,473 | $1,539-4.2% | $2,278-35.3% | $2,203-33.1% |
| Participant deferral / active EE | $2,233 | $2,643-15.5% | $3,382-34.0% | $3,192-30.0% |
| Admin fee / account holder | $855 | $3,885-78.0% | $5,275-83.8% | $4,297-80.1% |