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More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,191 | $24,891-75.1% | $69,460-91.1% | $74,400-91.7% |
| Participation rate | 90.4% | 63.4%+26.9pp | 66.4%+23.9pp | 67.2%+23.1pp |
| Annual return | 13.24% | 18.53%-5.3pp | 100.80%-87.6pp | 1367.51%-1354.3pp |
| Employer contribution / active EE | $698 | $1,005-30.6% | $1,714-59.3% | $2,624-73.4% |
| Participant deferral / active EE | $2,038 | $1,908+6.8% | $2,890-29.5% | $4,348-53.1% |
| Admin fee / account holder | $25 | $1,904-98.7% | $4,695-99.5% | $1,944-98.7% |