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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 | $91,854 | $88,122+4.2% | $141,197-34.9% | $67,582+35.9% |
| Participation rate | 98.2% | 76.5%+21.7pp | 82.5%+15.7pp | 71.3%+26.9pp |
| Annual return | 26.41% | 75.40%-49.0pp | 71.41%-45.0pp | 378.57%-352.2pp |
| Employer contribution / active EE | $1,944 | $3,224-39.7% | $4,736-59.0% | $2,148-9.5% |
| Participant deferral / active EE | $6,434 | $5,958+8.0% | $6,710-4.1% | $3,539+81.8% |
| Admin fee / account holder | $400 | $131+205.9% | $10,265-96.1% | $142+181.4% |