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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $100,676 | $75,388+33.5% | $123,553-18.5% | $55,725+80.7% |
| Participation rate | 98.2% | 75.7%+22.5pp | 82.3%+15.9pp | 70.9%+27.3pp |
| Annual return | 3.01% | 4.48%-1.5pp | 119.21%-116.2pp | 244.93%-241.9pp |
| Employer contribution / active EE | $2,076 | $3,063-32.2% | $4,628-55.1% | $2,078-0.1% |
| Participant deferral / active EE | $6,757 | $5,651+19.6% | $6,426+5.2% | $3,356+101.4% |
| Admin fee / account holder | $615 | $120+413.8% | $9,284-93.4% | $115+434.2% |