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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 | $24,406 | $67,602-63.9% | $82,312-70.3% | $70,126-65.2% |
| Participation rate | 73.5% | 72.8%+0.7pp | 76.9%-3.4pp | 69.5%+4.0pp |
| Annual return | 18.86% | 21.57%-2.7pp | 25.88%-7.0pp | 73.15%-54.3pp |
| Employer contribution / active EE | $962 | $1,755-45.2% | $2,428-60.4% | $2,343-58.9% |
| Participant deferral / active EE | $1,656 | $2,987-44.6% | $3,706-55.3% | $3,332-50.3% |
| Admin fee / account holder | $1,862 | $4,512-58.7% | $5,608-66.8% | $4,645-59.9% |