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Employer 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).
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 | $6,132 | $136,307-95.5% | $177,827-96.6% | $73,493-91.7% |
| Participation rate | 73.2% | 86.1%-12.9pp | 87.7%-14.5pp | 70.7%+2.5pp |
| Annual return | 38.27% | 18.68%+19.6pp | 48.32%-10.0pp | 28.51%+9.8pp |
| Employer contribution / active EE | $0 | $3,712-100.0% | $5,918-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $4,823 | $5,829-17.2% | $7,713-37.5% | $3,740+29.0% |
| Admin fee / account holder | $8 | $596-98.6% | $12,429-99.9% | $513-98.4% |