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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,480 | $59,186-51.9% | $76,768-62.9% | $56,287-49.4% |
| Participation rate | 87.2% | 75.2%+11.9pp | 77.0%+10.2pp | 69.9%+17.3pp |
| Annual return | -10.27% | 6.62%-16.9pp | 2.43%-12.7pp | -9.96%-0.3pp |
| Employer contribution / active EE | $1,666 | $1,759-5.3% | $2,485-33.0% | $2,111-21.1% |
| Participant deferral / active EE | $3,893 | $3,255+19.6% | $3,852+1.1% | $3,350+16.2% |
| Admin fee / account holder | $470 | $489-3.8% | $6,675-93.0% | $521-9.7% |