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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 | $322,383 | $110,137+192.7% | $161,149+100.1% | $82,637+290.1% |
| Participation rate | 86.2% | 72.4%+13.9pp | 78.8%+7.4pp | 68.1%+18.2pp |
| Annual return | 11.16% | 20.69%-9.5pp | 21.16%-10.0pp | 53.51%-42.3pp |
| Employer contribution / active EE | $5,324 | $2,856+86.4% | $4,360+22.1% | $2,552+108.6% |
| Participant deferral / active EE | $12,657 | $4,575+176.7% | $6,153+105.7% | $4,126+206.7% |
| Admin fee / account holder | $22,759 | $9,467+140.4% | $15,194+49.8% | $7,339+210.1% |