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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 | $5,015 | $58,627-91.4% | $76,735-93.5% | $82,448-93.9% |
| Participation rate | 87.1% | 63.2%+23.8pp | 69.5%+17.6pp | 68.1%+19.0pp |
| Annual return | 21.65% | 39.10%-17.4pp | 29.77%-8.1pp | 41.64%-20.0pp |
| Employer contribution / active EE | $658 | $1,729-61.9% | $2,454-73.2% | $2,551-74.2% |
| Participant deferral / active EE | $1,514 | $3,134-51.7% | $4,088-63.0% | $4,139-63.4% |
| Admin fee / account holder | $1,122 | $5,323-78.9% | $7,189-84.4% | $7,234-84.5% |