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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 | $11,700 | $61,391-80.9% | $149,723-92.2% | $71,529-83.6% |
| Participation rate | 99.2% | 62.5%+36.7pp | 78.8%+20.5pp | 67.9%+31.3pp |
| Annual return | 18.75% | 35.88%-17.1pp | 134.50%-115.8pp | 28.97%-10.2pp |
| Employer contribution / active EE | $762 | $2,384-68.0% | $4,821-84.2% | $2,590-70.6% |
| Participant deferral / active EE | $829 | $2,921-71.6% | $5,682-85.4% | $4,291-80.7% |
| Admin fee / account holder | $5 | $1,264-99.6% | $13,215-100.0% | $1,588-99.7% |