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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 | $355,608 | $95,453+272.5% | $112,040+217.4% | $82,448+331.3% |
| Participation rate | 94.6% | 72.8%+21.8pp | 76.5%+18.1pp | 68.1%+26.5pp |
| Annual return | 11.65% | 23.92%-12.3pp | 24.52%-12.9pp | 41.64%-30.0pp |
| Employer contribution / active EE | $1,081 | $2,318-53.4% | $2,954-63.4% | $2,551-57.6% |
| Participant deferral / active EE | $8,573 | $4,224+103.0% | $5,098+68.2% | $4,139+107.1% |
| Admin fee / account holder | $7,180 | $9,013-20.3% | $12,098-40.7% | $7,234-0.7% |