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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,275 | $64,176-40.4% | $112,263-65.9% | $66,949-42.8% |
| Participation rate | 54.7% | 68.4%-13.7pp | 75.1%-20.3pp | 69.8%-15.1pp |
| Annual return | -18.05% | -13.80%-4.3pp | 27.49%-45.5pp | 1.57%-19.6pp |
| Employer contribution / active EE | $636 | $3,007-78.8% | $3,636-82.5% | $2,545-75.0% |
| Participant deferral / active EE | $2,500 | $3,694-32.3% | $4,729-47.1% | $4,239-41.0% |
| Admin fee / account holder | $312 | $626-50.1% | $6,410-95.1% | $594-47.4% |