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Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $25,705 | $46,360-44.6% | $147,617-82.6% | $52,331-50.9% |
| Participation rate | 82.9% | 64.9%+18.0pp | 84.6%-1.7pp | 68.1%+14.8pp |
| Annual return | -1.48% | 1.62%-3.1pp | 61.98%-63.5pp | 4.54%-6.0pp |
| Employer contribution / active EE | $0 | $2,126-100.0% | $5,564-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $2,782 | $2,258+23.2% | $4,895-43.2% | $3,022-8.0% |
| Admin fee / account holder | $155 | $766-79.8% | $11,612-98.7% | $592-73.8% |