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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $35,054 | $45,152-22.4% | $73,836-52.5% | $59,633-41.2% |
| Participation rate | 88.4% | 64.0%+24.4pp | 73.4%+14.9pp | 68.7%+19.7pp |
| Annual return | -2.87% | 27.40%-30.3pp | 2268.06%-2270.9pp | 2041.45%-2044.3pp |
| Employer contribution / active EE | $0 | $1,901-100.0% | $2,787-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $4,687 | $2,573+82.2% | $3,583+30.8% | $3,192+46.8% |
| Admin fee / account holder | $488 | $3,515-86.1% | $4,882-90.0% | $4,297-88.6% |