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Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $1,679 | $56,060-97.0% | $76,002-97.8% | $80,874-97.9% |
| Participation rate | 84.7% | 62.0%+22.7pp | 69.1%+15.6pp | 67.6%+17.0pp |
| Annual return | 13.74% | 20.54%-6.8pp | 360.07%-346.3pp | 35.62%-21.9pp |
| Employer contribution / active EE | $267 | $1,873-85.7% | $2,688-90.1% | $2,756-90.3% |
| Participant deferral / active EE | $1,144 | $3,051-62.5% | $4,257-73.1% | $4,297-73.4% |
| Admin fee / account holder | $6 | $5,237-99.9% | $6,414-99.9% | $6,935-99.9% |