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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 | $117,895+195.7% | $102,460+240.2% | $145,897+138.9% |
| Participation rate | 75.0% | 78.6%-3.6pp | 76.5%-1.5pp | 80.3%-5.3pp |
| Annual return | 16.01% | 31.92%-15.9pp | 29.47%-13.5pp | 552.29%-536.3pp |
| Employer contribution / active EE | $5,817 | $3,619+60.7% | $3,025+92.3% | $4,663+24.8% |
| Participant deferral / active EE | $12,866 | $5,736+124.3% | $5,056+154.5% | $6,689+92.3% |
| Admin fee / account holder | $13,719 | $13,353+2.7% | $9,460+45.0% | $13,390+2.5% |