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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 | $14,519 | $77,896-81.4% | $134,172-89.2% | $82,448-82.4% |
| Participation rate | 91.9% | 62.8%+29.1pp | 72.5%+19.4pp | 68.1%+23.8pp |
| Annual return | 16.05% | 18.21%-2.2pp | 25.30%-9.2pp | 41.64%-25.6pp |
| Employer contribution / active EE | $2,054 | $2,159-4.9% | $3,420-40.0% | $2,551-19.5% |
| Participant deferral / active EE | $3,588 | $3,162+13.5% | $4,690-23.5% | $4,139-13.3% |
| Admin fee / account holder | $2,001 | $6,336-68.4% | $12,016-83.4% | $7,234-72.3% |