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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 | $12,183 | $63,773-80.9% | $81,286-85.0% | $80,925-84.9% |
| Participation rate | 73.1% | 63.9%+9.2pp | 69.5%+3.6pp | 67.7%+5.4pp |
| Annual return | 18.70% | 16.37%+2.3pp | 24.80%-6.1pp | 35.65%-16.9pp |
| Employer contribution / active EE | $2,712 | $1,979+37.0% | $2,463+10.1% | $2,756-1.6% |
| Participant deferral / active EE | $4,158 | $3,093+34.4% | $3,883+7.1% | $4,299-3.3% |
| Admin fee / account holder | $1,336 | $5,682-76.5% | $5,764-76.8% | $6,940-80.8% |