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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $1,535,395 | $122,063+1157.9% | $184,256+733.3% | $74,478+1961.5% |
| Participation rate | 100.0% | 85.5%+14.5pp | 86.8%+13.2pp | 67.2%+32.8pp |
| Annual return | 10.97% | 19.92%-8.9pp | 28.85%-17.9pp | 1370.56%-1359.6pp |
| Employer contribution / active EE | $35,092 | $4,539+673.1% | $6,427+446.0% | $2,626+1236.2% |
| Participant deferral / active EE | $15,107 | $7,144+111.4% | $9,133+65.4% | $4,350+247.3% |
| Admin fee / account holder | $2,040 | $1,253+62.8% | $13,899-85.3% | $1,946+4.8% |