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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 | $5,060 | $54,674-90.7% | $76,089-93.4% | $74,429-93.2% |
| Participation rate | 83.6% | 60.3%+23.3pp | 69.1%+14.5pp | 67.2%+16.4pp |
| Annual return | 13.42% | 31.89%-18.5pp | 360.94%-347.5pp | 1368.38%-1355.0pp |
| Employer contribution / active EE | $1,132 | $1,781-36.4% | $2,690-57.9% | $2,625-56.9% |
| Participant deferral / active EE | $1,850 | $3,071-39.8% | $4,259-56.6% | $4,348-57.5% |
| Admin fee / account holder | $19 | $2,238-99.2% | $6,418-99.7% | $1,944-99.0% |