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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $77,559 | $55,122+40.7% | $104,639-25.9% | $73,497+5.5% |
| Participation rate | 82.4% | 67.7%+14.7pp | 74.1%+8.4pp | 70.7%+11.8pp |
| Annual return | 13.96% | 24.77%-10.8pp | 340.67%-326.7pp | 28.51%-14.6pp |
| Employer contribution / active EE | $1,198 | $1,464-18.2% | $2,682-55.3% | $2,270-47.2% |
| Participant deferral / active EE | $4,540 | $2,919+55.5% | $3,738+21.5% | $3,740+21.4% |
| Admin fee / account holder | $413 | $423-2.2% | $6,465-93.6% | $513-19.4% |