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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $185,427 | $65,092+184.9% | $143,799+28.9% | $66,938+177.0% |
| Participation rate | 100.0% | 65.2%+34.8pp | 80.3%+19.7pp | 69.8%+30.2pp |
| Annual return | -17.37% | -11.14%-6.2pp | -0.04%-17.3pp | 1.58%-18.9pp |
| Employer contribution / active EE | $10,189 | $2,362+331.4% | $4,952+105.7% | $2,545+300.3% |
| Participant deferral / active EE | $8,483 | $2,920+190.5% | $5,638+50.4% | $4,238+100.1% |
| Admin fee / account holder | $766 | $502+52.5% | $14,677-94.8% | $594+29.1% |