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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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $121,612 | $77,670+56.6% | $109,163+11.4% | $79,393+53.2% |
| Participation rate | 84.8% | 67.8%+16.9pp | 75.9%+8.9pp | 70.7%+14.0pp |
| Annual return | 11.46% | 23.44%-12.0pp | 25.75%-14.3pp | 116.87%-105.4pp |
| Employer contribution / active EE | $26,681 | $2,798+853.4% | $3,723+616.7% | $2,428+999.0% |
| Participant deferral / active EE | $2,579 | $3,518-26.7% | $4,654-44.6% | $4,046-36.3% |
| Admin fee / account holder | $310 | $732-57.6% | $6,754-95.4% | $627-50.5% |