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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 | $32,061 | $138,393-76.8% | $184,256-82.6% | $80,959-60.4% |
| Participation rate | 87.7% | 83.9%+3.8pp | 86.8%+0.9pp | 67.7%+20.0pp |
| Annual return | 13.49% | 20.01%-6.5pp | 28.85%-15.4pp | 35.67%-22.2pp |
| Employer contribution / active EE | $2,476 | $4,847-48.9% | $6,427-61.5% | $2,757-10.2% |
| Participant deferral / active EE | $4,480 | $7,076-36.7% | $9,133-50.9% | $4,300+4.2% |
| Admin fee / account holder | $1,999 | $10,489-80.9% | $13,899-85.6% | $6,925-71.1% |