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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 | $76,834-94.0% | $108,359-95.8% | $87,485-94.7% |
| Participation rate | 76.7% | 61.7%+14.9pp | 70.1%+6.5pp | 68.9%+7.7pp |
| Annual return | 15.54% | 19.09%-3.5pp | 36.89%-21.4pp | 26.06%-10.5pp |
| Employer contribution / active EE | $344 | $1,556-77.9% | $2,399-85.6% | $2,596-86.7% |
| Participant deferral / active EE | $1,405 | $3,100-54.7% | $4,137-66.0% | $4,274-67.1% |
| Admin fee / account holder | $335 | $6,537-94.9% | $9,741-96.6% | $7,775-95.7% |