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.
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $1,440,752 | $130,294+1005.8% | $170,055+747.2% | $71,535+1914.1% |
| Participation rate | 100.0% | 86.2%+13.8pp | 87.0%+13.0pp | 67.9%+32.1pp |
| Annual return | 10.09% | 20.36%-10.3pp | 53.43%-43.3pp | 28.97%-18.9pp |
| Employer contribution / active EE | $33,809 | $4,385+671.1% | $6,790+397.9% | $2,590+1205.4% |
| Participant deferral / active EE | $13,841 | $6,928+99.8% | $10,410+33.0% | $4,292+222.5% |
| Admin fee / account holder | $3,696 | $966+282.5% | $12,828-71.2% | $1,589+132.7% |