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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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $136,691 | $91,179+49.9% | $178,499-23.4% | $79,852+71.2% |
| Participation rate | 93.3% | 69.2%+24.1pp | 81.9%+11.4pp | 69.6%+23.7pp |
| Annual return | 6.44% | 24.19%-17.8pp | 151.10%-144.7pp | 31.72%-25.3pp |
| Employer contribution / active EE | $20,822 | $3,256+539.6% | $5,011+315.5% | $2,471+742.6% |
| Participant deferral / active EE | $13,171 | $3,236+307.0% | $5,202+153.2% | $3,740+252.1% |
| Admin fee / account holder | $490 | $6,749-92.7% | $13,986-96.5% | $5,306-90.8% |