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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 | $285,267 | $150,435+89.6% | $120,580+136.6% | $145,897+95.5% |
| Participation rate | 100.0% | 78.8%+21.2pp | 72.0%+28.0pp | 80.3%+19.7pp |
| Annual return | 5.06% | 154.60%-149.5pp | 107.48%-102.4pp | 552.29%-547.2pp |
| Employer contribution / active EE | $3,431 | $4,352-21.2% | $3,469-1.1% | $4,663-26.4% |
| Participant deferral / active EE | $6,508 | $6,174+5.4% | $4,995+30.3% | $6,689-2.7% |
| Admin fee / account holder | $9,238 | $12,182-24.2% | $9,418-1.9% | $13,390-31.0% |