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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,149 | $77,677-9.7% | $109,188-35.8% | $79,389-11.6% |
| Participation rate | 94.9% | 67.8%+27.1pp | 75.9%+19.0pp | 70.7%+24.2pp |
| Annual return | 13.20% | 23.44%-10.2pp | 25.76%-12.6pp | 116.89%-103.7pp |
| Employer contribution / active EE | $9,269 | $2,798+231.3% | $3,723+149.0% | $2,428+281.8% |
| Participant deferral / active EE | $3,079 | $3,517-12.5% | $4,654-33.8% | $4,046-23.9% |
| Admin fee / account holder | $310 | $732-57.7% | $6,755-95.4% | $626-50.6% |