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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 | $18,698 | $62,086-69.9% | $90,259-79.3% | $64,340-70.9% |
| Participation rate | 88.8% | 53.9%+34.9pp | 70.7%+18.1pp | 55.2%+33.6pp |
| Annual return | 14.45% | 16.73%-2.3pp | 18.88%-4.4pp | 24.14%-9.7pp |
| Employer contribution / active EE | $889 | $1,883-52.8% | $2,291-61.2% | $1,862-52.2% |
| Participant deferral / active EE | $2,011 | $2,557-21.4% | $3,827-47.4% | $2,980-32.5% |
| Admin fee / account holder | $4,586 | $3,317+38.2% | $7,267-36.9% | $3,703+23.9% |