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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 | $16,033 | $115,931-86.2% | $185,441-91.4% | $86,983-81.6% |
| Participation rate | 88.5% | 73.6%+14.8pp | 80.3%+8.2pp | 69.5%+18.9pp |
| Annual return | 16.54% | 21.47%-4.9pp | 20.16%-3.6pp | 25.83%-9.3pp |
| Employer contribution / active EE | $1,263 | $2,937-57.0% | $4,672-73.0% | $2,584-51.1% |
| Participant deferral / active EE | $2,927 | $4,551-35.7% | $6,152-52.4% | $4,194-30.2% |
| Admin fee / account holder | $810 | $10,687-92.4% | $17,890-95.5% | $7,856-89.7% |