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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 | $5,741 | $58,493-90.2% | $84,023-93.2% | $72,976-92.1% |
| Participation rate | 96.5% | 61.2%+35.3pp | 69.0%+27.5pp | 69.5%+27.0pp |
| Annual return | 28.40% | 28.93%-0.5pp | 71.32%-42.9pp | 81.02%-52.6pp |
| Employer contribution / active EE | $1,292 | $1,163+11.1% | $1,984-34.9% | $2,440-47.1% |
| Participant deferral / active EE | $1,853 | $2,394-22.6% | $3,239-42.8% | $3,608-48.7% |
| Admin fee / account holder | $505 | $4,569-89.0% | $6,102-91.7% | $5,124-90.2% |