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Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $17,258 | $46,732-63.1% | $156,551-89.0% | $55,167-68.7% |
| Participation rate | 92.9% | 65.8%+27.1pp | 84.0%+8.9pp | 69.0%+23.9pp |
| Annual return | 3.07% | 17.72%-14.6pp | 32.23%-29.2pp | 169.23%-166.2pp |
| Employer contribution / active EE | $1,678 | $2,105-20.3% | $5,501-69.5% | $1,963-14.5% |
| Participant deferral / active EE | $1,402 | $2,204-36.4% | $4,871-71.2% | $3,054-54.1% |
| Admin fee / account holder | $37 | $418-91.1% | $13,028-99.7% | $504-92.6% |