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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 | $125,243 | $47,977+161.0% | $154,108-18.7% | $56,289+122.5% |
| Participation rate | 99.3% | 66.2%+33.2pp | 83.0%+16.3pp | 69.9%+29.5pp |
| Annual return | -6.80% | 3.54%-10.3pp | 735.21%-742.0pp | -9.96%+3.2pp |
| Employer contribution / active EE | $8,493 | $2,169+291.6% | $5,298+60.3% | $2,111+302.3% |
| Participant deferral / active EE | $6,544 | $2,392+173.6% | $5,081+28.8% | $3,350+95.3% |
| Admin fee / account holder | $473 | $438+8.0% | $13,411-96.5% | $521-9.2% |