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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $11,694 | $56,063-79.1% | $76,051-84.6% | $80,911-85.5% |
| Participation rate | 100.0% | 62.0%+38.0pp | 69.1%+30.9pp | 67.6%+32.4pp |
| Annual return | 11.78% | 20.54%-8.8pp | 360.42%-348.6pp | 35.63%-23.8pp |
| Employer contribution / active EE | $484 | $1,874-74.2% | $2,690-82.0% | $2,756-82.5% |
| Participant deferral / active EE | $3,054 | $3,0520% | $4,257-28.3% | $4,297-28.9% |
| Admin fee / account holder | $365 | $5,240-93.0% | $6,416-94.3% | $6,935-94.7% |