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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 | $13,724 | $62,589-78.1% | $76,768-82.1% | $64,173-78.6% |
| Participation rate | 100.0% | 72.8%+27.2pp | 77.0%+23.0pp | 69.6%+30.4pp |
| Annual return | -3.85% | -1.95%-1.9pp | 2.43%-6.3pp | 7.63%-11.5pp |
| Employer contribution / active EE | $2,104 | $1,832+14.8% | $2,485-15.3% | $2,381-11.6% |
| Participant deferral / active EE | $2,896 | $3,145-7.9% | $3,852-24.8% | $3,470-16.5% |
| Admin fee / account holder | $783 | $4,667-83.2% | $6,675-88.3% | $4,887-84.0% |