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Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $35,746 | $101,653-64.8% | $147,080-75.7% | $74,459-52.0% |
| Participation rate | 77.7% | 75.6%+2.1pp | 82.2%-4.5pp | 67.2%+10.5pp |
| Annual return | 26.04% | 8754.98%-8728.9pp | 420.17%-394.1pp | 1369.70%-1343.7pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,933-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $9,462 | $7,304+29.5% | $8,066+17.3% | $4,350+117.5% |
| Admin fee / account holder | $359 | $1,752-79.5% | $12,989-97.2% | $1,945-81.6% |