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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 | $254,219 | $95,453+166.3% | $112,040+126.9% | $82,448+208.3% |
| Participation rate | 77.5% | 72.8%+4.7pp | 76.5%+1.0pp | 68.1%+9.4pp |
| Annual return | 11.84% | 23.92%-12.1pp | 24.52%-12.7pp | 41.64%-29.8pp |
| Employer contribution / active EE | $5,441 | $2,318+134.7% | $2,954+84.2% | $2,551+113.3% |
| Participant deferral / active EE | $7,379 | $4,224+74.7% | $5,098+44.8% | $4,139+78.3% |
| Admin fee / account holder | $2,615 | $9,013-71.0% | $12,098-78.4% | $7,234-63.9% |