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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 | $351,643 | $91,179+285.7% | $178,499+97.0% | $79,852+340.4% |
| Participation rate | 91.2% | 69.2%+22.0pp | 81.9%+9.2pp | 69.6%+21.5pp |
| Annual return | 11.28% | 24.19%-12.9pp | 151.10%-139.8pp | 31.72%-20.4pp |
| Employer contribution / active EE | $0 | $3,256-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $0 | $3,236-100.0% | $5,202-100.0% | $3,740-100.0% |
| Admin fee / account holder | $2,358 | $6,749-65.1% | $13,986-83.1% | $5,306-55.6% |