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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 | $5,300 | $58,292-90.9% | $86,640-93.9% | $71,511-92.6% |
| Participation rate | 79.4% | 65.0%+14.3pp | 71.7%+7.7pp | 67.9%+11.4pp |
| Annual return | 18.43% | 21.63%-3.2pp | 592.52%-574.1pp | 28.86%-10.4pp |
| Employer contribution / active EE | $1,413 | $2,574-45.1% | $3,024-53.3% | $2,589-45.4% |
| Participant deferral / active EE | $2,422 | $3,438-29.6% | $4,438-45.4% | $4,291-43.6% |
| Admin fee / account holder | $10 | $1,057-99.1% | $5,616-99.8% | $1,588-99.4% |