Filed October 10, 2025 (most recent of 2 filings on file)
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Employer contribution per participant is in the bottom quintile of the peer cohort.
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
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 | $18,899 | $70,667-73.3% | $123,105-84.6% | $52,331-63.9% |
| Participation rate | 84.7% | 83.7%+1.0pp | 86.8%-2.1pp | 68.1%+16.6pp |
| Annual return | -2.37% | 6.23%-8.6pp | 13.22%-15.6pp | 4.54%-6.9pp |
| Employer contribution / active EE | $0 | $2,946-100.0% | $5,151-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $2,969 | $4,493-33.9% | $6,229-52.3% | $3,022-1.8% |
| Admin fee / account holder | $337 | $506-33.5% | $9,014-96.3% | $592-43.0% |