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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 | $20,934 | $76,834-72.8% | $108,359-80.7% | $87,485-76.1% |
| Participation rate | 98.3% | 61.7%+36.6pp | 70.1%+28.2pp | 68.9%+29.4pp |
| Annual return | 16.04% | 19.09%-3.0pp | 36.89%-20.9pp | 26.06%-10.0pp |
| Employer contribution / active EE | $1,572 | $1,556+1.0% | $2,399-34.5% | $2,596-39.5% |
| Participant deferral / active EE | $3,704 | $3,100+19.5% | $4,137-10.5% | $4,274-13.3% |
| Admin fee / account holder | $2,947 | $6,537-54.9% | $9,741-69.7% | $7,775-62.1% |