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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $81,192 | $73,710+10.1% | $98,461-17.5% | - |
| Participation rate | 90.9% | 64.9%+26.1pp | 75.2%+15.7pp | - |
| Annual return | 13.21% | 11.66%+1.5pp | 21.17%-8.0pp | - |
| Employer contribution / active EE | $2,218 | $2,125+4.4% | $3,049-27.2% | - |
| Participant deferral / active EE | $6,222 | $4,019+54.8% | $4,738+31.3% | - |
| Admin fee / account holder | $367 | $12,790-97.1% | $8,961-95.9% | - |