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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 | $8,280 | $53,162-84.4% | $91,227-90.9% | $68,490-87.9% |
| Participation rate | 88.9% | 63.2%+25.7pp | 73.2%+15.7pp | 67.9%+21.0pp |
| Annual return | -18.03% | -3.14%-14.9pp | 114.14%-132.2pp | -7.85%-10.2pp |
| Employer contribution / active EE | $1,763 | $1,709+3.2% | $2,851-38.2% | $2,597-32.1% |
| Participant deferral / active EE | $5,387 | $2,974+81.2% | $4,234+27.2% | $4,028+33.7% |
| Admin fee / account holder | $539 | $4,493-88.0% | $5,423-90.1% | $5,403-90.0% |