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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $86,328 | $77,920+10.8% | $149,723-42.3% | $75,177+14.8% |
| Participation rate | 76.5% | 65.6%+10.9pp | 78.8%-2.3pp | 67.2%+9.3pp |
| Annual return | 12.47% | 31.72%-19.3pp | 134.50%-122.0pp | 160.75%-148.3pp |
| Employer contribution / active EE | $1,888 | $3,138-39.9% | $4,821-60.8% | $2,671-29.3% |
| Participant deferral / active EE | $3,387 | $3,411-0.7% | $5,682-40.4% | $4,126-17.9% |
| Admin fee / account holder | $465 | $5,951-92.2% | $13,215-96.5% | $5,651-91.8% |