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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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,131 | $64,176-35.9% | $112,249-63.4% | $66,938-38.6% |
| Participation rate | 80.8% | 68.4%+12.3pp | 75.1%+5.7pp | 69.8%+11.0pp |
| Annual return | -19.31% | -13.80%-5.5pp | 27.48%-46.8pp | 1.58%-20.9pp |
| Employer contribution / active EE | $7,836 | $3,007+160.6% | $3,636+115.5% | $2,545+207.9% |
| Participant deferral / active EE | $1,833 | $3,694-50.4% | $4,729-61.2% | $4,238-56.8% |
| Admin fee / account holder | $319 | $626-49.0% | $6,412-95.0% | $594-46.3% |