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More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $103,134 | $80,753+27.7% | $136,298-24.3% | $62,293+65.6% |
| Participation rate | 90.7% | 73.5%+17.2pp | 81.9%+8.8pp | 69.5%+21.2pp |
| Annual return | 23.49% | 35.83%-12.3pp | 5156.27%-5132.8pp | 28.90%-5.4pp |
| Employer contribution / active EE | $26,232 | $2,884+809.7% | $4,696+458.6% | $2,042+1184.5% |
| Participant deferral / active EE | $12,147 | $5,164+135.2% | $6,247+94.4% | $3,169+283.3% |
| Admin fee / account holder | $4 | $525-99.3% | $9,244-100.0% | $479-99.2% |