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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 | $30,495 | $108,825-72.0% | $156,181-80.5% | $82,448-63.0% |
| Participation rate | 88.3% | 72.4%+16.0pp | 78.8%+9.5pp | 68.1%+20.3pp |
| Annual return | 17.85% | 20.59%-2.7pp | 64.87%-47.0pp | 41.64%-23.8pp |
| Employer contribution / active EE | $3,193 | $2,870+11.2% | $4,294-25.6% | $2,551+25.2% |
| Participant deferral / active EE | $2,126 | $4,577-53.5% | $6,132-65.3% | $4,139-48.6% |
| Admin fee / account holder | $643 | $9,341-93.1% | $14,586-95.6% | $7,234-91.1% |