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Participant contribution per participant 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.
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 | $16,982 | $58,726-71.1% | $92,239-81.6% | $62,293-72.7% |
| Participation rate | 93.1% | 68.3%+24.8pp | 76.5%+16.6pp | 69.5%+23.6pp |
| Annual return | 15.94% | 43.62%-27.7pp | 176.29%-160.4pp | 28.90%-13.0pp |
| Employer contribution / active EE | $6,488 | $2,392+171.3% | $3,680+76.3% | $2,042+217.7% |
| Participant deferral / active EE | $1,122 | $2,766-59.4% | $3,897-71.2% | $3,169-64.6% |
| Admin fee / account holder | $0 | $556-100.0% | $5,194-100.0% | $479-100.0% |