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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,342 | $91,051-14.0% | $88,497-11.5% | $55,167+42.0% |
| Participation rate | 91.9% | 79.5%+12.3pp | 82.4%+9.5pp | 69.0%+22.9pp |
| Annual return | 9.12% | 9.63%-0.5pp | 7.63%+1.5pp | 169.23%-160.1pp |
| Employer contribution / active EE | $4,712 | $3,430+37.4% | $4,036+16.7% | $1,963+140.1% |
| Participant deferral / active EE | $3,189 | $4,954-35.6% | $4,899-34.9% | $3,054+4.4% |
| Admin fee / account holder | $341 | $539-36.7% | $6,220-94.5% | $504-32.4% |