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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $348,607 | $117,829+195.9% | $102,423+240.4% | $145,877+139.0% |
| Participation rate | 75.0% | 78.6%-3.6pp | 76.5%-1.5pp | 80.3%-5.3pp |
| Annual return | 16.01% | 31.83%-15.8pp | 29.42%-13.4pp | 551.28%-535.3pp |
| Employer contribution / active EE | $5,817 | $3,615+60.9% | $3,023+92.4% | $4,663+24.7% |
| Participant deferral / active EE | $12,866 | $5,732+124.4% | $5,054+154.6% | $6,691+92.3% |
| Admin fee / account holder | $13,719 | $13,335+2.9% | $9,455+45.1% | $13,402+2.4% |