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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 | $54,690-90.7% | $76,030-93.3% | $74,478-93.2% |
| Participation rate | 83.6% | 60.3%+23.3pp | 69.1%+14.6pp | 67.2%+16.4pp |
| Annual return | 13.42% | 31.92%-18.5pp | 361.54%-348.1pp | 1370.56%-1357.1pp |
| Employer contribution / active EE | $1,132 | $1,781-36.5% | $2,688-57.9% | $2,626-56.9% |
| Participant deferral / active EE | $1,850 | $3,070-39.7% | $4,257-56.5% | $4,350-57.5% |
| Admin fee / account holder | $19 | $2,240-99.2% | $6,421-99.7% | $1,946-99.0% |