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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).
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 | $9,591 | $69,383-86.2% | $101,271-90.5% | $73,493-87.0% |
| Participation rate | 100.0% | 68.4%+31.6pp | 75.8%+24.2pp | 70.7%+29.3pp |
| Annual return | 43.83% | 18.46%+25.4pp | 46.48%-2.6pp | 28.51%+15.3pp |
| Employer contribution / active EE | $507 | $2,628-80.7% | $3,660-86.2% | $2,270-77.7% |
| Participant deferral / active EE | $14,494 | $3,301+339.1% | $4,371+231.6% | $3,740+287.6% |
| Admin fee / account holder | $0 | $704-100.0% | $5,948-100.0% | $513-100.0% |