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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 | $315,717 | $93,617+237.2% | $135,982+132.2% | $75,177+320.0% |
| Participation rate | 93.5% | 75.2%+18.3pp | 81.9%+11.6pp | 67.2%+26.3pp |
| Annual return | 14.03% | 30.89%-16.9pp | 68.32%-54.3pp | 160.75%-146.7pp |
| Employer contribution / active EE | $7,123 | $3,538+101.3% | $4,859+46.6% | $2,671+166.7% |
| Participant deferral / active EE | $7,875 | $6,406+22.9% | $7,760+1.5% | $4,126+90.8% |
| Admin fee / account holder | $2,385 | $6,980-65.8% | $10,767-77.8% | $5,651-57.8% |