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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 | $3,856 | $57,073-93.2% | $85,126-95.5% | $80,925-95.2% |
| Participation rate | 97.7% | 56.4%+41.3pp | 67.5%+30.2pp | 67.7%+30.1pp |
| Annual return | 13.53% | 21.69%-8.2pp | 66.63%-53.1pp | 35.65%-22.1pp |
| Employer contribution / active EE | $808 | $1,801-55.1% | $2,731-70.4% | $2,756-70.7% |
| Participant deferral / active EE | $1,579 | $3,113-49.3% | $4,523-65.1% | $4,299-63.3% |
| Admin fee / account holder | $1,154 | $4,988-76.9% | $6,160-81.3% | $6,940-83.4% |