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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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $8,587 | $57,330-85.0% | $86,656-90.1% | $75,177-88.6% |
| Participation rate | 76.1% | 63.2%+12.9pp | 71.7%+4.4pp | 67.2%+8.9pp |
| Annual return | 20.58% | 2675.40%-2654.8pp | 593.09%-572.5pp | 160.75%-140.2pp |
| Employer contribution / active EE | $400 | $2,316-82.7% | $3,025-86.8% | $2,671-85.0% |
| Participant deferral / active EE | $1,129 | $3,320-66.0% | $4,439-74.6% | $4,126-72.6% |
| Admin fee / account holder | $76 | $4,115-98.2% | $5,619-98.6% | $5,651-98.7% |