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Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $4,295 | $52,279-91.8% | $89,414-95.2% | $79,852-94.6% |
| Participation rate | 96.6% | 57.5%+39.1pp | 68.0%+28.6pp | 69.6%+27.0pp |
| Annual return | 14.70% | 22.16%-7.5pp | 245.50%-230.8pp | 31.72%-17.0pp |
| Employer contribution / active EE | $1,280 | $1,572-18.6% | $2,586-50.5% | $2,471-48.2% |
| Participant deferral / active EE | $2,007 | $2,740-26.8% | $3,890-48.4% | $3,740-46.3% |
| Admin fee / account holder | $52 | $3,356-98.5% | $4,883-98.9% | $5,306-99.0% |