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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 | $22,999 | $86,940-73.5% | $102,434-77.5% | $80,935-71.6% |
| Participation rate | 94.9% | 72.4%+22.5pp | 76.5%+18.4pp | 67.7%+27.2pp |
| Annual return | 12.24% | 18.89%-6.7pp | 29.46%-17.2pp | 35.66%-23.4pp |
| Employer contribution / active EE | $2,587 | $2,370+9.2% | $3,023-14.4% | $2,757-6.1% |
| Participant deferral / active EE | $4,793 | $4,121+16.3% | $5,055-5.2% | $4,299+11.5% |
| Admin fee / account holder | $3,228 | $8,047-59.9% | $9,462-65.9% | $6,924-53.4% |