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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 | $94,857 | $63,924+48.4% | $108,582-12.6% | $55,167+71.9% |
| Participation rate | 98.5% | 74.3%+24.2pp | 79.6%+19.0pp | 69.0%+29.5pp |
| Annual return | 7.08% | 15.31%-8.2pp | -51.70%+58.8pp | 169.23%-162.1pp |
| Employer contribution / active EE | $2,033 | $1,879+8.2% | $3,758-45.9% | $1,963+3.6% |
| Participant deferral / active EE | $5,165 | $3,067+68.4% | $4,311+19.8% | $3,054+69.1% |
| Admin fee / account holder | $307 | $618-50.3% | $7,645-96.0% | $504-39.1% |