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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 | $14,826 | $78,707-81.2% | $117,861-87.4% | $70,126-78.9% |
| Participation rate | 77.5% | 73.2%+4.3pp | 79.7%-2.2pp | 69.5%+8.0pp |
| Annual return | 12.81% | 23.30%-10.5pp | 335.11%-322.3pp | 73.15%-60.3pp |
| Employer contribution / active EE | $2,176 | $2,223-2.2% | $3,786-42.5% | $2,343-7.1% |
| Participant deferral / active EE | $1,783 | $3,297-45.9% | $4,482-60.2% | $3,332-46.5% |
| Admin fee / account holder | $531 | $5,066-89.5% | $8,021-93.4% | $4,645-88.6% |