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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $488,010 | $100,772+384.3% | $86,690+462.9% | $134,493+262.9% |
| Participation rate | 80.0% | 78.9%+1.1pp | 76.6%+3.4pp | 81.2%-1.2pp |
| Annual return | -17.64% | 29.06%-46.7pp | 35.93%-53.6pp | 418.01%-435.7pp |
| Employer contribution / active EE | $7,810 | $3,490+123.8% | $2,837+175.3% | $4,740+64.8% |
| Participant deferral / active EE | $2,866 | $5,338-46.3% | $4,656-38.5% | $6,400-55.2% |
| Admin fee / account holder | $1,070 | $10,920-90.2% | $7,490-85.7% | $11,425-90.6% |