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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 | $17,860 | $81,487-78.1% | $102,412-82.6% | $80,935-77.9% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 11.57% | 25.60%-14.0pp | 24.94%-13.4pp | 35.66%-24.1pp |
| Employer contribution / active EE | $3,404 | $3,103+9.7% | $3,870-12.0% | $2,757+23.5% |
| Participant deferral / active EE | $3,215 | $3,871-16.9% | $5,060-36.5% | $4,299-25.2% |
| Admin fee / account holder | $0 | $6,717-100.0% | $8,388-100.0% | $6,924-100.0% |