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Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $11,201 | $54,541-79.5% | $78,778-85.8% | $70,126-84.0% |
| Participation rate | 77.3% | 60.8%+16.5pp | 69.2%+8.1pp | 69.5%+7.7pp |
| Annual return | 13.23% | 21.07%-7.8pp | 35.62%-22.4pp | 73.15%-59.9pp |
| Employer contribution / active EE | $1,394 | $1,089+28.1% | $1,986-29.8% | $2,343-40.5% |
| Participant deferral / active EE | $198 | $2,210-91.0% | $2,958-93.3% | $3,332-94.0% |
| Admin fee / account holder | $556 | $3,709-85.0% | $5,134-89.2% | $4,645-88.0% |