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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 | $399,723 | $181,896+119.8% | $156,551+155.3% | $273,972+45.9% |
| Participation rate | 95.0% | 88.4%+6.6pp | 84.0%+11.0pp | 83.0%+12.0pp |
| Annual return | -0.09% | 30.74%-30.8pp | 32.23%-32.3pp | 41.46%-41.5pp |
| Employer contribution / active EE | $7,277 | $6,248+16.5% | $5,501+32.3% | $4,869+49.5% |
| Participant deferral / active EE | $4,286 | $5,550-22.8% | $4,871-12.0% | $5,287-18.9% |
| Admin fee / account holder | $11,369 | $15,560-26.9% | $13,028-12.7% | $10,133+12.2% |