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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 | $261,146 | $81,446+220.6% | $103,374+152.6% | $80,874+222.9% |
| Participation rate | 89.2% | 66.9%+22.3pp | 74.5%+14.7pp | 67.6%+21.5pp |
| Annual return | 9.80% | 25.57%-15.8pp | 24.89%-15.1pp | 35.62%-25.8pp |
| Employer contribution / active EE | $4,638 | $3,107+49.3% | $3,869+19.9% | $2,756+68.3% |
| Participant deferral / active EE | $6,128 | $3,870+58.4% | $5,058+21.2% | $4,297+42.6% |
| Admin fee / account holder | $6,576 | $6,715-2.1% | $8,394-21.7% | $6,935-5.2% |