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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 | $447,309 | $81,358+449.8% | $155,556+187.6% | $80,959+452.5% |
| Participation rate | 71.9% | 66.3%+5.6pp | 78.2%-6.3pp | 67.7%+4.2pp |
| Annual return | 7.98% | 33.39%-25.4pp | 64.84%-56.9pp | 35.67%-27.7pp |
| Employer contribution / active EE | $4,863 | $3,106+56.6% | $4,675+4.0% | $2,757+76.4% |
| Participant deferral / active EE | $5,693 | $3,455+64.7% | $5,631+1.1% | $4,300+32.4% |
| Admin fee / account holder | $8,455 | $7,994+5.8% | $15,885-46.8% | $6,925+22.1% |