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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $20,258 | $80,781-74.9% | $102,437-80.2% | $74,478-72.8% |
| Participation rate | 97.0% | 65.7%+31.4pp | 74.5%+22.5pp | 67.2%+29.8pp |
| Annual return | 13.25% | 27.58%-14.3pp | 24.95%-11.7pp | 1370.56%-1357.3pp |
| Employer contribution / active EE | $2,866 | $3,160-9.3% | $3,871-26.0% | $2,626+9.1% |
| Participant deferral / active EE | $2,714 | $3,862-29.7% | $5,060-46.4% | $4,350-37.6% |
| Admin fee / account holder | $360 | $2,372-84.8% | $8,388-95.7% | $1,946-81.5% |