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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 | $24,196 | $86,919-72.2% | $102,457-76.4% | $80,911-70.1% |
| Participation rate | 89.3% | 72.4%+16.9pp | 76.5%+12.8pp | 67.6%+21.6pp |
| Annual return | 13.36% | 18.90%-5.5pp | 29.41%-16.0pp | 35.63%-22.3pp |
| Employer contribution / active EE | $2,536 | $2,368+7.1% | $3,022-16.1% | $2,756-8.0% |
| Participant deferral / active EE | $3,832 | $4,119-7.0% | $5,054-24.2% | $4,297-10.8% |
| Admin fee / account holder | $1,082 | $8,049-86.6% | $9,451-88.5% | $6,935-84.4% |