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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 | $447,309 | $81,276+450.4% | $155,574+187.5% | $80,925+452.7% |
| Participation rate | 71.9% | 66.2%+5.6pp | 78.2%-6.3pp | 67.7%+4.2pp |
| Annual return | 7.98% | 33.36%-25.4pp | 64.87%-56.9pp | 35.65%-27.7pp |
| Employer contribution / active EE | $4,863 | $3,103+56.7% | $4,676+4.0% | $2,756+76.4% |
| Participant deferral / active EE | $5,693 | $3,453+64.9% | $5,629+1.1% | $4,299+32.4% |
| Admin fee / account holder | $8,455 | $7,993+5.8% | $15,914-46.9% | $6,940+21.8% |