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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 | $3,199 | $62,672-94.9% | $185,117-98.3% | $70,126-95.4% |
| Participation rate | 85.2% | 63.8%+21.4pp | 77.3%+8.0pp | 69.5%+15.7pp |
| Annual return | 15.73% | 40.79%-25.1pp | 40.50%-24.8pp | 73.15%-57.4pp |
| Employer contribution / active EE | $471 | $1,753-73.1% | $4,182-88.7% | $2,343-79.9% |
| Participant deferral / active EE | $1,198 | $3,272-63.4% | $5,045-76.3% | $3,332-64.1% |
| Admin fee / account holder | $556 | $3,932-85.8% | $8,159-93.2% | $4,645-88.0% |