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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 | $8,849 | $72,269-87.8% | $101,271-91.3% | $79,852-88.9% |
| Participation rate | 95.5% | 68.5%+27.1pp | 75.8%+19.7pp | 69.6%+25.9pp |
| Annual return | 19.59% | 22.29%-2.7pp | 46.48%-26.9pp | 31.72%-12.1pp |
| Employer contribution / active EE | $4,388 | $2,692+63.0% | $3,660+19.9% | $2,471+77.6% |
| Participant deferral / active EE | $1,551 | $3,282-52.7% | $4,371-64.5% | $3,740-58.5% |
| Admin fee / account holder | $37 | $4,401-99.2% | $5,948-99.4% | $5,306-99.3% |