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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 | $275,174 | $78,682+249.7% | $109,188+152.0% | $85,851+220.5% |
| Participation rate | 96.6% | 68.3%+28.3pp | 75.9%+20.7pp | 69.3%+27.2pp |
| Annual return | 9.17% | 25.09%-15.9pp | 25.76%-16.6pp | 318.63%-309.5pp |
| Employer contribution / active EE | $22,876 | $2,734+736.8% | $3,723+514.4% | $2,565+791.7% |
| Participant deferral / active EE | $4,419 | $3,468+27.4% | $4,654-5.0% | $3,952+11.8% |
| Admin fee / account holder | $3,089 | $5,470-43.5% | $6,755-54.3% | $6,261-50.7% |