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Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $31,336 | $108,825-71.2% | $156,181-79.9% | $82,448-62.0% |
| Participation rate | 93.3% | 72.4%+21.0pp | 78.8%+14.5pp | 68.1%+25.3pp |
| Annual return | 14.77% | 20.59%-5.8pp | 64.87%-50.1pp | 41.64%-26.9pp |
| Employer contribution / active EE | $430 | $2,870-85.0% | $4,294-90.0% | $2,551-83.1% |
| Participant deferral / active EE | $2,356 | $4,577-48.5% | $6,132-61.6% | $4,139-43.1% |
| Admin fee / account holder | $12,737 | $9,341+36.4% | $14,586-12.7% | $7,234+76.1% |