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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $344,908 | $58,895+485.6% | $178,503+93.2% | $73,497+369.3% |
| Participation rate | 99.1% | 66.2%+32.9pp | 81.9%+17.2pp | 70.7%+28.4pp |
| Annual return | 12.15% | 24.86%-12.7pp | 151.12%-139.0pp | 28.51%-16.4pp |
| Employer contribution / active EE | $11,355 | $2,236+407.8% | $5,011+126.6% | $2,270+400.2% |
| Participant deferral / active EE | $7,993 | $2,567+211.4% | $5,202+53.6% | $3,740+113.7% |
| Admin fee / account holder | $1,720 | $400+329.5% | $13,987-87.7% | $513+235.1% |