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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 | $5,819 | $53,596-89.1% | $90,657-93.6% | $64,173-90.9% |
| Participation rate | 74.2% | 64.5%+9.7pp | 74.0%+0.2pp | 69.6%+4.7pp |
| Annual return | -5.38% | 4.41%-9.8pp | 1.89%-7.3pp | 7.63%-13.0pp |
| Employer contribution / active EE | $631 | $1,503-58.0% | $2,532-75.1% | $2,381-73.5% |
| Participant deferral / active EE | $975 | $2,459-60.3% | $3,424-71.5% | $3,470-71.9% |
| Admin fee / account holder | $691 | $3,868-82.1% | $4,994-86.2% | $4,887-85.9% |