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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 | $4,595 | $73,787-93.8% | $98,716-95.3% | $82,448-94.4% |
| Participation rate | 76.7% | 61.4%+15.3pp | 69.3%+7.4pp | 68.1%+8.6pp |
| Annual return | 15.54% | 18.57%-3.0pp | 31.81%-16.3pp | 41.64%-26.1pp |
| Employer contribution / active EE | $344 | $1,511-77.2% | $2,279-84.9% | $2,551-86.5% |
| Participant deferral / active EE | $1,405 | $3,081-54.4% | $4,048-65.3% | $4,139-66.1% |
| Admin fee / account holder | $335 | $6,500-94.8% | $8,703-96.2% | $7,234-95.4% |