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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 | $4,663 | $78,027-94.0% | $178,528-97.4% | $80,925-94.2% |
| Participation rate | 100.0% | 65.7%+34.3pp | 77.1%+22.9pp | 67.7%+32.3pp |
| Annual return | 12.07% | 18.09%-6.0pp | 27.11%-15.0pp | 35.65%-23.6pp |
| Employer contribution / active EE | $5,931 | $2,281+160.0% | $3,950+50.1% | $2,756+115.2% |
| Participant deferral / active EE | $171 | $4,408-96.1% | $6,278-97.3% | $4,299-96.0% |
| Admin fee / account holder | $41 | $7,168-99.4% | $10,419-99.6% | $6,940-99.4% |