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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 | $10,860 | $93,010-88.3% | $96,515-88.7% | $74,460-85.4% |
| Participation rate | 99.4% | 71.6%+27.8pp | 74.3%+25.1pp | 70.7%+28.7pp |
| Annual return | 18.43% | 37.50%-19.1pp | 35.73%-17.3pp | 34.38%-15.9pp |
| Employer contribution / active EE | $4,934 | $3,427+44.0% | $3,740+31.9% | $2,638+87.0% |
| Participant deferral / active EE | $196 | $3,971-95.1% | $4,880-96.0% | $4,530-95.7% |
| Admin fee / account holder | $37 | $633-94.1% | $6,735-99.4% | $348-89.2% |