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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).
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 | $9,973 | $64,176-84.5% | $112,263-91.1% | $66,949-85.1% |
| Participation rate | 73.1% | 68.4%+4.7pp | 75.1%-1.9pp | 69.8%+3.3pp |
| Annual return | -18.39% | -13.80%-4.6pp | 27.49%-45.9pp | 1.57%-20.0pp |
| Employer contribution / active EE | $955 | $3,007-68.2% | $3,636-73.7% | $2,545-62.5% |
| Participant deferral / active EE | $1,493 | $3,694-59.6% | $4,729-68.4% | $4,239-64.8% |
| Admin fee / account holder | $38 | $626-93.9% | $6,410-99.4% | $594-93.6% |