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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 | $381,356 | $98,776+286.1% | $149,745+154.7% | $79,856+377.6% |
| Participation rate | 96.4% | 75.8%+20.6pp | 82.5%+13.9pp | 69.6%+26.8pp |
| Annual return | 1.46% | 27.38%-25.9pp | 276.72%-275.3pp | 31.71%-30.3pp |
| Employer contribution / active EE | $3,376 | $3,217+4.9% | $4,646-27.3% | $2,471+36.6% |
| Participant deferral / active EE | $8,227 | $5,681+44.8% | $6,843+20.2% | $3,741+119.9% |
| Admin fee / account holder | $4,245 | $6,053-29.9% | $9,312-54.4% | $5,306-20.0% |