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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $79,742 | $64,909+22.9% | $82,312-3.1% | $62,293+28.0% |
| Participation rate | 91.5% | 74.9%+16.6pp | 76.9%+14.6pp | 69.5%+21.9pp |
| Annual return | 16.56% | 21.18%-4.6pp | 25.88%-9.3pp | 28.90%-12.3pp |
| Employer contribution / active EE | $3,797 | $1,676+126.5% | $2,428+56.4% | $2,042+85.9% |
| Participant deferral / active EE | $5,327 | $3,103+71.6% | $3,706+43.7% | $3,169+68.1% |
| Admin fee / account holder | $536 | $440+21.9% | $5,608-90.4% | $479+11.8% |