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Participant 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).
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 | $5,607 | $80,748-93.1% | $102,383-94.5% | $74,429-92.5% |
| Participation rate | 99.6% | 65.7%+33.9pp | 74.5%+25.0pp | 67.2%+32.3pp |
| Annual return | 21.39% | 27.57%-6.2pp | 24.94%-3.5pp | 1368.38%-1347.0pp |
| Employer contribution / active EE | $996 | $3,159-68.5% | $3,870-74.3% | $2,625-62.0% |
| Participant deferral / active EE | $468 | $3,861-87.9% | $5,060-90.7% | $4,348-89.2% |
| Admin fee / account holder | $49 | $2,371-97.9% | $8,391-99.4% | $1,944-97.5% |