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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 | $13,153 | $55,446-76.3% | $155,574-91.5% | $74,429-82.3% |
| Participation rate | 86.6% | 61.9%+24.6pp | 78.2%+8.3pp | 67.2%+19.3pp |
| Annual return | 12.45% | 269.20%-256.7pp | 64.87%-52.4pp | 1368.38%-1355.9pp |
| Employer contribution / active EE | $2,158 | $2,266-4.7% | $4,676-53.8% | $2,625-17.8% |
| Participant deferral / active EE | $2,128 | $2,836-25.0% | $5,629-62.2% | $4,348-51.1% |
| Admin fee / account holder | $41 | $1,743-97.7% | $15,914-99.7% | $1,944-97.9% |