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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 | $276,657 | $165,399+67.3% | $149,745+84.8% | $158,982+74.0% |
| Participation rate | 93.8% | 84.6%+9.2pp | 82.5%+11.3pp | 82.0%+11.8pp |
| Annual return | 1.20% | 348.34%-347.1pp | 276.72%-275.5pp | 302.99%-301.8pp |
| Employer contribution / active EE | $4,105 | $5,105-19.6% | $4,646-11.6% | $4,763-13.8% |
| Participant deferral / active EE | $5,355 | $7,183-25.4% | $6,843-21.7% | $5,983-10.5% |
| Admin fee / account holder | $17,810 | $10,811+64.7% | $9,312+91.3% | $11,252+58.3% |