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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 | $29,865 | $91,559-67.4% | $133,978-77.7% | $79,856-62.6% |
| Participation rate | 78.2% | 73.3%+4.8pp | 79.8%-1.7pp | 69.6%+8.5pp |
| Annual return | 13.83% | 61.85%-48.0pp | 45.10%-31.3pp | 31.71%-17.9pp |
| Employer contribution / active EE | $963 | $2,384-59.6% | $3,919-75.4% | $2,471-61.1% |
| Participant deferral / active EE | $2,972 | $3,734-20.4% | $5,047-41.1% | $3,741-20.5% |
| Admin fee / account holder | $8,204 | $6,321+29.8% | $8,930-8.1% | $5,306+54.6% |