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Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,871 | $84,936-60.1% | $111,308-69.6% | $79,391-57.3% |
| Participation rate | 92.2% | 75.9%+16.3pp | 77.3%+14.8pp | 70.7%+21.4pp |
| Annual return | 9.61% | 17.45%-7.8pp | 54.67%-45.1pp | 116.88%-107.3pp |
| Employer contribution / active EE | $2,455 | $1,979+24.0% | $2,732-10.1% | $2,428+1.1% |
| Participant deferral / active EE | $2,254 | $3,888-42.0% | $4,487-49.8% | $4,046-44.3% |
| Admin fee / account holder | $207 | $537-61.5% | $7,965-97.4% | $627-67.0% |