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Annual investment return 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 | $8,385 | $44,764-81.3% | $68,808-87.8% | $64,819-87.1% |
| Participation rate | 94.1% | 64.8%+29.4pp | 69.0%+25.1pp | 71.5%+22.6pp |
| Annual return | -21.92% | -10.91%-11.0pp | -6.37%-15.5pp | 32.84%-54.8pp |
| Employer contribution / active EE | $2,937 | $1,775+65.4% | $2,656+10.6% | $2,507+17.2% |
| Participant deferral / active EE | $4,131 | $3,238+27.6% | $3,942+4.8% | $4,311-4.2% |
| Admin fee / account holder | $44 | $151-71.2% | $4,936-99.1% | $188-76.8% |