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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 | $53,033 | $58,512-9.4% | $84,020-36.9% | $72,983-27.3% |
| Participation rate | 72.9% | 61.2%+11.6pp | 69.0%+3.8pp | 69.5%+3.4pp |
| Annual return | 5.17% | 28.93%-23.8pp | 71.31%-66.1pp | 81.01%-75.8pp |
| Employer contribution / active EE | $892 | $1,163-23.3% | $1,984-55.0% | $2,440-63.4% |
| Participant deferral / active EE | $1,888 | $2,394-21.1% | $3,239-41.7% | $3,608-47.7% |
| Admin fee / account holder | $721 | $4,569-84.2% | $6,101-88.2% | $5,124-85.9% |