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Employer 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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $7,934 | $101,798-92.2% | $165,071-95.2% | $80,935-90.2% |
| Participation rate | 96.4% | 71.8%+24.6pp | 78.6%+17.8pp | 67.7%+28.8pp |
| Annual return | 16.09% | 16.73%-0.6pp | 70.17%-54.1pp | 35.66%-19.6pp |
| Employer contribution / active EE | $715 | $2,954-75.8% | $4,347-83.6% | $2,757-74.1% |
| Participant deferral / active EE | $2,112 | $4,476-52.8% | $6,035-65.0% | $4,299-50.9% |
| Admin fee / account holder | $27 | $8,221-99.7% | $12,695-99.8% | $6,924-99.6% |