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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 | $4,683 | $76,407-93.9% | $150,298-96.9% | $82,448-94.3% |
| Participation rate | 88.9% | 66.4%+22.5pp | 77.8%+11.1pp | 68.1%+20.8pp |
| Annual return | 16.02% | 39.99%-24.0pp | 62.79%-46.8pp | 41.64%-25.6pp |
| Employer contribution / active EE | $321 | $2,614-87.7% | $4,154-92.3% | $2,551-87.4% |
| Participant deferral / active EE | $1,362 | $3,214-57.6% | $5,453-75.0% | $4,139-67.1% |
| Admin fee / account holder | $800 | $6,352-87.4% | $14,116-94.3% | $7,234-88.9% |