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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 | $21,018 | $61,660-65.9% | $80,022-73.7% | $64,173-67.2% |
| Participation rate | 72.5% | 71.7%+0.8pp | 75.8%-3.3pp | 69.6%+2.9pp |
| Annual return | -3.03% | -0.33%-2.7pp | 11.22%-14.3pp | 7.63%-10.7pp |
| Employer contribution / active EE | $472 | $1,810-74.0% | $2,468-80.9% | $2,381-80.2% |
| Participant deferral / active EE | $1,404 | $2,968-52.7% | $3,686-61.9% | $3,470-59.5% |
| Admin fee / account holder | $900 | $5,417-83.4% | $6,521-86.2% | $4,887-81.6% |