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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 | $71,019 | $81,233-12.6% | $155,567-54.3% | $80,874-12.2% |
| Participation rate | 74.0% | 66.2%+7.7pp | 78.2%-4.2pp | 67.6%+6.3pp |
| Annual return | 13.26% | 33.33%-20.1pp | 64.74%-51.5pp | 35.62%-22.4pp |
| Employer contribution / active EE | $1,578 | $3,101-49.1% | $4,674-66.2% | $2,756-42.7% |
| Participant deferral / active EE | $2,681 | $3,452-22.3% | $5,628-52.4% | $4,297-37.6% |
| Admin fee / account holder | $543 | $7,998-93.2% | $15,916-96.6% | $6,935-92.2% |