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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 | $55,930-97.0% | $76,089-97.8% | $80,925-97.9% |
| Participation rate | 84.7% | 62.1%+22.6pp | 69.1%+15.6pp | 67.7%+17.0pp |
| Annual return | 13.74% | 20.58%-6.8pp | 360.94%-347.2pp | 35.65%-21.9pp |
| Employer contribution / active EE | $267 | $1,866-85.7% | $2,690-90.1% | $2,756-90.3% |
| Participant deferral / active EE | $1,144 | $3,051-62.5% | $4,259-73.1% | $4,299-73.4% |
| Admin fee / account holder | $6 | $5,241-99.9% | $6,418-99.9% | $6,940-99.9% |