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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 | $317,791 | $76,407+315.9% | $150,298+111.4% | $82,448+285.4% |
| Participation rate | 92.3% | 66.4%+25.9pp | 77.8%+14.5pp | 68.1%+24.2pp |
| Annual return | 12.48% | 39.99%-27.5pp | 62.79%-50.3pp | 41.64%-29.2pp |
| Employer contribution / active EE | $8,339 | $2,614+219.0% | $4,154+100.7% | $2,551+226.9% |
| Participant deferral / active EE | $6,843 | $3,214+112.9% | $5,453+25.5% | $4,139+65.3% |
| Admin fee / account holder | $3,321 | $6,352-47.7% | $14,116-76.5% | $7,234-54.1% |