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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 | $81,457-78.1% | $103,378-82.7% | $80,911-77.9% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.6%+32.4pp |
| Annual return | 11.57% | 25.58%-14.0pp | 24.91%-13.3pp | 35.63%-24.1pp |
| Employer contribution / active EE | $3,404 | $3,107+9.5% | $3,870-12.1% | $2,756+23.5% |
| Participant deferral / active EE | $3,215 | $3,871-16.9% | $5,058-36.4% | $4,297-25.2% |
| Admin fee / account holder | $0 | $6,717-100.0% | $8,401-100.0% | $6,935-100.0% |