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Employer contribution per participant is in the bottom quintile of the peer cohort.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,096 | $99,957-57.9% | $149,745-71.9% | $73,497-42.7% |
| Participation rate | 100.0% | 75.7%+24.3pp | 82.5%+17.5pp | 70.7%+29.3pp |
| Annual return | 16.17% | 53.87%-37.7pp | 276.72%-260.5pp | 28.51%-12.3pp |
| Employer contribution / active EE | $283 | $3,191-91.1% | $4,646-93.9% | $2,270-87.5% |
| Participant deferral / active EE | $2,821 | $6,073-53.6% | $6,843-58.8% | $3,740-24.6% |
| Admin fee / account holder | $39 | $551-92.9% | $9,312-99.6% | $513-92.3% |