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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 | $269,323 | $101,672+164.9% | $147,117+83.1% | $74,478+261.6% |
| Participation rate | 99.0% | 75.5%+23.5pp | 82.2%+16.8pp | 67.2%+31.8pp |
| Annual return | 12.60% | 8757.83%-8745.2pp | 420.54%-407.9pp | 1370.56%-1358.0pp |
| Employer contribution / active EE | $4,445 | $3,813+16.6% | $4,932-9.9% | $2,626+69.2% |
| Participant deferral / active EE | $10,930 | $7,305+49.6% | $8,065+35.5% | $4,350+151.2% |
| Admin fee / account holder | $6,795 | $1,753+287.6% | $12,993-47.7% | $1,946+249.2% |