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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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $33,482 | $88,122-62.0% | $141,177-76.3% | $67,579-50.5% |
| Participation rate | 79.9% | 76.5%+3.5pp | 82.5%-2.6pp | 71.3%+8.6pp |
| Annual return | 231.37% | 75.40%+156.0pp | 71.40%+160.0pp | 378.56%-147.2pp |
| Employer contribution / active EE | $8 | $3,224-99.7% | $4,736-99.8% | $2,148-99.6% |
| Participant deferral / active EE | $11,403 | $5,958+91.4% | $6,710+69.9% | $3,539+222.2% |
| Admin fee / account holder | $4 | $131-97.1% | $10,263-100.0% | $142-97.4% |