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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,198 | $83,019-58.8% | $130,014-73.7% | $71,476-52.2% |
| Participation rate | 70.1% | 74.1%-4.0pp | 78.5%-8.4pp | 67.9%+2.1pp |
| Annual return | 17.82% | 20.60%-2.8pp | -137.22%+155.0pp | 28.85%-11.0pp |
| Employer contribution / active EE | $4,504 | $2,623+71.7% | $4,320+4.3% | $2,589+74.0% |
| Participant deferral / active EE | $3,301 | $4,434-25.6% | $5,821-43.3% | $4,290-23.1% |
| Admin fee / account holder | $341 | $1,728-80.3% | $10,616-96.8% | $1,587-78.5% |