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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 | $346,429 | $81,331+325.9% | $155,534+122.7% | $80,935+328.0% |
| Participation rate | 70.0% | 66.3%+3.7pp | 78.2%-8.2pp | 67.7%+2.3pp |
| Annual return | 9.87% | 33.37%-23.5pp | 64.92%-55.0pp | 35.66%-25.8pp |
| Employer contribution / active EE | $2,816 | $3,105-9.3% | $4,675-39.8% | $2,757+2.1% |
| Participant deferral / active EE | $5,039 | $3,454+45.9% | $5,630-10.5% | $4,299+17.2% |
| Admin fee / account holder | $3,909 | $7,999-51.1% | $15,900-75.4% | $6,924-43.5% |