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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $242,451 | $77,638+212.3% | $156,551+54.9% | $62,881+285.6% |
| Participation rate | 97.8% | 71.2%+26.6pp | 84.0%+13.8pp | 69.3%+28.5pp |
| Annual return | 7.79% | 50.33%-42.5pp | 32.23%-24.4pp | 20.14%-12.4pp |
| Employer contribution / active EE | $11,267 | $3,444+227.2% | $5,501+104.8% | $2,281+394.0% |
| Participant deferral / active EE | $8,324 | $3,046+173.3% | $4,871+70.9% | $3,203+159.9% |
| Admin fee / account holder | $959 | $5,561-82.8% | $13,028-92.6% | $4,296-77.7% |