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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 | $21,018 | $65,034-67.7% | $90,970-76.9% | $79,856-73.7% |
| Participation rate | 79.0% | 61.6%+17.4pp | 69.0%+10.0pp | 69.6%+9.4pp |
| Annual return | 14.43% | 30.45%-16.0pp | 134.60%-120.2pp | 31.71%-17.3pp |
| Employer contribution / active EE | $751 | $1,247-39.8% | $2,122-64.6% | $2,471-69.6% |
| Participant deferral / active EE | $2,543 | $2,512+1.2% | $3,373-24.6% | $3,741-32.0% |
| Admin fee / account holder | $428 | $4,536-90.6% | $5,961-92.8% | $5,306-91.9% |