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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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,241 | $72,620-87.3% | $90,760-89.8% | $66,938-86.2% |
| Participation rate | 75.5% | 73.7%+1.8pp | 75.7%-0.2pp | 69.8%+5.7pp |
| Annual return | 0.00% | -12.28%+12.3pp | -12.16%+12.2pp | 1.58%-1.6pp |
| Employer contribution / active EE | $1,775 | $2,369-25.1% | $2,922-39.2% | $2,545-30.2% |
| Participant deferral / active EE | $2,413 | $3,979-39.3% | $4,565-47.1% | $4,238-43.1% |
| Admin fee / account holder | $16 | $707-97.7% | $8,444-99.8% | $594-97.2% |