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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.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $9,838 | $53,596-81.6% | $90,657-89.1% | $64,173-84.7% |
| Participation rate | 87.9% | 64.5%+23.4pp | 74.0%+13.9pp | 69.6%+18.3pp |
| Annual return | -11.77% | 4.41%-16.2pp | 1.89%-13.7pp | 7.63%-19.4pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,532-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $4,553 | $2,459+85.2% | $3,424+32.9% | $3,470+31.2% |
| Admin fee / account holder | $550 | $3,868-85.8% | $4,994-89.0% | $4,887-88.7% |