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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 | $8,035 | $63,904-87.4% | $89,340-91.0% | $67,986-88.2% |
| Participation rate | 98.1% | 54.3%+43.8pp | 69.6%+28.6pp | 57.2%+40.9pp |
| Annual return | 22.40% | 18.09%+4.3pp | 20.57%+1.8pp | 31.67%-9.3pp |
| Employer contribution / active EE | $1,867 | $1,627+14.7% | $2,231-16.3% | $2,019-7.5% |
| Participant deferral / active EE | $2,035 | $2,691-24.4% | $3,823-46.8% | $3,358-39.4% |
| Admin fee / account holder | $1,165 | $3,315-64.9% | $6,704-82.6% | $3,203-63.6% |