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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).
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 | $12,187 | $93,598-87.0% | $135,974-91.0% | $75,173-83.8% |
| Participation rate | 85.3% | 75.2%+10.1pp | 81.9%+3.3pp | 67.2%+18.1pp |
| Annual return | 18.45% | 30.89%-12.4pp | 68.30%-49.9pp | 160.72%-142.3pp |
| Employer contribution / active EE | $1,331 | $3,538-62.4% | $4,859-72.6% | $2,671-50.2% |
| Participant deferral / active EE | $2,705 | $6,405-57.8% | $7,760-65.1% | $4,126-34.4% |
| Admin fee / account holder | $180 | $6,978-97.4% | $10,767-98.3% | $5,651-96.8% |