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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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,745 | $91,179-93.7% | $178,499-96.8% | $79,852-92.8% |
| Participation rate | 83.7% | 69.2%+14.5pp | 81.9%+1.7pp | 69.6%+14.0pp |
| Annual return | 55.96% | 24.19%+31.8pp | 151.10%-95.1pp | 31.72%+24.2pp |
| Employer contribution / active EE | $696 | $3,256-78.6% | $5,011-86.1% | $2,471-71.8% |
| Participant deferral / active EE | $1,613 | $3,236-50.1% | $5,202-69.0% | $3,740-56.9% |
| Admin fee / account holder | $27 | $6,749-99.6% | $13,986-99.8% | $5,306-99.5% |