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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 | $59,005 | $60,989-3.3% | $60,919-3.1% | $66,949-11.9% |
| Participation rate | 77.7% | 74.5%+3.2pp | 73.1%+4.6pp | 69.8%+7.9pp |
| Annual return | -17.00% | -9.60%-7.4pp | 16.96%-34.0pp | 1.57%-18.6pp |
| Employer contribution / active EE | $2,317 | $2,661-12.9% | $2,704-14.3% | $2,545-9.0% |
| Participant deferral / active EE | $6,469 | $3,615+79.0% | $3,814+69.6% | $4,239+52.6% |
| Admin fee / account holder | $353 | $338+4.3% | $3,228-89.1% | $594-40.5% |