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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $77,972 | $93,617-16.7% | $135,982-42.7% | $75,177+3.7% |
| Participation rate | 93.9% | 75.2%+18.7pp | 81.9%+12.0pp | 67.2%+26.7pp |
| Annual return | 18.03% | 30.89%-12.9pp | 68.32%-50.3pp | 160.75%-142.7pp |
| Employer contribution / active EE | $2,134 | $3,538-39.7% | $4,859-56.1% | $2,671-20.1% |
| Participant deferral / active EE | $5,254 | $6,406-18.0% | $7,760-32.3% | $4,126+27.3% |
| Admin fee / account holder | $584 | $6,980-91.6% | $10,767-94.6% | $5,651-89.7% |