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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,448 | $37,463-26.7% | $77,096-64.4% | $66,938-59.0% |
| Participation rate | 92.1% | 52.9%+39.2pp | 67.9%+24.2pp | 69.8%+22.3pp |
| Annual return | -16.64% | -3.25%-13.4pp | 42.35%-59.0pp | 1.58%-18.2pp |
| Employer contribution / active EE | $958 | $1,535-37.6% | $2,814-66.0% | $2,545-62.4% |
| Participant deferral / active EE | $3,721 | $2,621+41.9% | $4,429-16.0% | $4,238-12.2% |
| Admin fee / account holder | $324 | $568-43.0% | $5,428-94.0% | $594-45.5% |