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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 | $9,914 | $54,121-81.7% | $134,162-92.6% | $73,412-86.5% |
| Participation rate | 91.0% | 64.4%+26.6pp | 72.2%+18.8pp | 72.2%+18.8pp |
| Annual return | 20.81% | -312.52%+333.3pp | 36.35%-15.5pp | 59.30%-38.5pp |
| Employer contribution / active EE | $1,401 | $1,402-0.1% | $3,705-62.2% | $2,234-37.3% |
| Participant deferral / active EE | $1,494 | $2,844-47.5% | $3,500-57.3% | $3,806-60.8% |
| Admin fee / account holder | $119 | $132-10.3% | $6,685-98.2% | $158-24.8% |