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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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,685 | $84,482-94.5% | $125,363-96.3% | $66,930-93.0% |
| Participation rate | 81.4% | 76.4%+5.0pp | 82.4%-1.0pp | 69.8%+11.6pp |
| Annual return | 0.00% | -8.49%+8.5pp | 572.15%-572.1pp | 1.57%-1.6pp |
| Employer contribution / active EE | $1,106 | $3,553-68.9% | $4,815-77.0% | $2,545-56.5% |
| Participant deferral / active EE | $2,959 | $6,782-56.4% | $7,447-60.3% | $4,238-30.2% |
| Admin fee / account holder | $4 | $685-99.4% | $10,005-100.0% | $593-99.3% |