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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 | $208,908 | $91,474+128.4% | $135,982+53.6% | $71,529+192.1% |
| Participation rate | 98.2% | 75.7%+22.5pp | 81.9%+16.3pp | 67.9%+30.3pp |
| Annual return | 19.06% | 29.89%-10.8pp | 68.32%-49.3pp | 28.97%-9.9pp |
| Employer contribution / active EE | $16,071 | $3,705+333.7% | $4,859+230.8% | $2,590+520.6% |
| Participant deferral / active EE | $9,050 | $7,095+27.5% | $7,760+16.6% | $4,291+110.9% |
| Admin fee / account holder | $450 | $1,267-64.5% | $10,767-95.8% | $1,588-71.7% |