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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 | $35,883 | $86,288-58.4% | $111,306-67.8% | $85,851-58.2% |
| Participation rate | 70.1% | 73.3%-3.2pp | 77.3%-7.2pp | 69.3%+0.8pp |
| Annual return | 12.15% | 19.99%-7.8pp | 54.67%-42.5pp | 318.63%-306.5pp |
| Employer contribution / active EE | $1,763 | $2,044-13.7% | $2,732-35.5% | $2,565-31.3% |
| Participant deferral / active EE | $3,774 | $3,641+3.7% | $4,488-15.9% | $3,952-4.5% |
| Admin fee / account holder | $407 | $8,189-95.0% | $7,966-94.9% | $6,261-93.5% |