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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 | $4,599 | $58,627-92.2% | $76,735-94.0% | $82,448-94.4% |
| Participation rate | 87.5% | 63.2%+24.3pp | 69.5%+18.0pp | 68.1%+19.4pp |
| Annual return | 18.85% | 39.10%-20.2pp | 29.77%-10.9pp | 41.64%-22.8pp |
| Employer contribution / active EE | $656 | $1,729-62.1% | $2,454-73.3% | $2,551-74.3% |
| Participant deferral / active EE | $1,763 | $3,134-43.7% | $4,088-56.9% | $4,139-57.4% |
| Admin fee / account holder | $1,647 | $5,323-69.1% | $7,189-77.1% | $7,234-77.2% |