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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 | $11,290 | $48,078-76.5% | $78,676-85.7% | $62,881-82.0% |
| Participation rate | 88.0% | 65.2%+22.8pp | 73.6%+14.4pp | 69.3%+18.7pp |
| Annual return | 19.46% | 31.36%-11.9pp | 62.19%-42.7pp | 20.14%-0.7pp |
| Employer contribution / active EE | $1,623 | $2,015-19.4% | $2,850-43.1% | $2,281-28.9% |
| Participant deferral / active EE | $3,305 | $2,587+27.7% | $3,517-6.0% | $3,203+3.2% |
| Admin fee / account holder | $2,984 | $3,206-6.9% | $4,510-33.8% | $4,296-30.5% |