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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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $42,425 | $25,014+69.6% | $69,623-39.1% | $80,935-47.6% |
| Participation rate | 91.7% | 64.2%+27.5pp | 66.4%+25.2pp | 67.7%+24.0pp |
| Annual return | 9.52% | 19.08%-9.6pp | 101.23%-91.7pp | 35.66%-26.1pp |
| Employer contribution / active EE | $1,762 | $991+77.7% | $1,709+3.1% | $2,757-36.1% |
| Participant deferral / active EE | $2,489 | $1,840+35.3% | $2,890-13.9% | $4,299-42.1% |
| Admin fee / account holder | $355 | $2,491-85.8% | $4,696-92.5% | $6,924-94.9% |