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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 | $6,594 | $57,119-88.5% | $85,187-92.3% | $80,935-91.9% |
| Participation rate | 90.0% | 56.4%+33.6pp | 67.5%+22.5pp | 67.7%+22.3pp |
| Annual return | 19.78% | 21.70%-1.9pp | 66.67%-46.9pp | 35.66%-15.9pp |
| Employer contribution / active EE | $716 | $1,802-60.3% | $2,732-73.8% | $2,757-74.0% |
| Participant deferral / active EE | $2,250 | $3,115-27.8% | $4,525-50.3% | $4,299-47.7% |
| Admin fee / account holder | $341 | $4,990-93.2% | $6,162-94.5% | $6,924-95.1% |