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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 | $430,800 | $148,623+189.9% | $135,974+216.8% | $139,466+208.9% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 24.72% | 79.30%-54.6pp | 68.30%-43.6pp | 373.66%-348.9pp |
| Employer contribution / active EE | $32,837 | $5,246+525.9% | $4,859+575.8% | $4,754+590.7% |
| Participant deferral / active EE | $18,668 | $8,103+130.4% | $7,760+140.6% | $6,712+178.1% |
| Admin fee / account holder | $969 | $12,406-92.2% | $10,767-91.0% | $11,409-91.5% |