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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 | $6,079 | $57,061-89.3% | $85,063-92.9% | $80,911-92.5% |
| Participation rate | 70.2% | 56.3%+13.9pp | 67.5%+2.7pp | 67.6%+2.6pp |
| Annual return | 13.34% | 21.66%-8.3pp | 66.54%-53.2pp | 35.63%-22.3pp |
| Employer contribution / active EE | $676 | $1,799-62.4% | $2,727-75.2% | $2,756-75.5% |
| Participant deferral / active EE | $1,069 | $3,110-65.6% | $4,523-76.4% | $4,297-75.1% |
| Admin fee / account holder | $667 | $4,986-86.6% | $6,155-89.2% | $6,935-90.4% |