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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 | $110,137-72.3% | $161,149-81.1% | $82,637-63.1% |
| Participation rate | 88.3% | 72.4%+16.0pp | 78.8%+9.5pp | 68.1%+20.3pp |
| Annual return | 17.85% | 20.69%-2.8pp | 21.16%-3.3pp | 53.51%-35.7pp |
| Employer contribution / active EE | $3,193 | $2,856+11.8% | $4,360-26.8% | $2,552+25.1% |
| Participant deferral / active EE | $2,126 | $4,575-53.5% | $6,153-65.4% | $4,126-48.5% |
| Admin fee / account holder | $643 | $9,467-93.2% | $15,194-95.8% | $7,339-91.2% |