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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $261,146 | $81,476+220.5% | $102,383+155.1% | $80,925+222.7% |
| Participation rate | 89.2% | 66.8%+22.3pp | 74.5%+14.7pp | 67.7%+21.5pp |
| Annual return | 9.80% | 25.59%-15.8pp | 24.94%-15.1pp | 35.65%-25.8pp |
| Employer contribution / active EE | $4,638 | $3,105+49.4% | $3,870+19.8% | $2,756+68.3% |
| Participant deferral / active EE | $6,128 | $3,871+58.3% | $5,060+21.1% | $4,299+42.6% |
| Admin fee / account holder | $6,576 | $6,717-2.1% | $8,391-21.6% | $6,940-5.2% |