Sign up free to preview peer percentile detail
Free accounts unlock saves, downloads, and 3-year history.
Sign up free to preview 10-year trajectory
Free accounts unlock saves, downloads, and 3-year history.
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,533 | $42,548-7.1% | $74,551-47.0% | $56,289-29.8% |
| Participation rate | 67.5% | 60.5%+7.0pp | 69.1%-1.6pp | 69.9%-2.3pp |
| Annual return | -3.37% | 12.40%-15.8pp | 32.53%-35.9pp | -9.96%+6.6pp |
| Employer contribution / active EE | $179 | $855-79.1% | $1,961-90.9% | $2,111-91.5% |
| Participant deferral / active EE | $2,285 | $2,277+0.3% | $3,108-26.5% | $3,350-31.8% |
| Admin fee / account holder | $369 | $467-21.0% | $5,059-92.7% | $521-29.2% |