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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 | $292,380 | $125,184+133.6% | $105,607+176.9% | $145,884+100.4% |
| Participation rate | 72.2% | 77.6%-5.4pp | 75.3%-3.1pp | 80.3%-8.1pp |
| Annual return | 7.85% | 225.00%-217.2pp | 116.11%-108.3pp | 551.85%-544.0pp |
| Employer contribution / active EE | $3,309 | $3,720-11.1% | $3,167+4.5% | $4,662-29.0% |
| Participant deferral / active EE | $4,187 | $5,714-26.7% | $5,011-16.4% | $6,690-37.4% |
| Admin fee / account holder | $23,649 | $17,133+38.0% | $10,958+115.8% | $13,392+76.6% |