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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 | $586,247 | $157,276+272.8% | $141,177+315.3% | $152,885+283.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 21.59% | 64.33%-42.7pp | 71.40%-49.8pp | 345.39%-323.8pp |
| Employer contribution / active EE | $26,493 | $5,262+403.5% | $4,736+459.4% | $4,763+456.2% |
| Participant deferral / active EE | $17,200 | $7,110+141.9% | $6,710+156.3% | $5,851+194.0% |
| Admin fee / account holder | $2,907 | $12,123-76.0% | $10,263-71.7% | $11,598-74.9% |