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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 | $2,540 | $44,425-94.3% | $67,834-96.3% | $55,167-95.4% |
| Participation rate | 83.9% | 59.7%+24.2pp | 68.8%+15.1pp | 69.0%+14.9pp |
| Annual return | 7.72% | 17.80%-10.1pp | 138.47%-130.7pp | 169.23%-161.5pp |
| Employer contribution / active EE | $0 | $1,351-100.0% | $2,403-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,313 | $2,166-39.4% | $3,160-58.5% | $3,054-57.0% |
| Admin fee / account holder | $9 | $530-98.3% | $4,622-99.8% | $504-98.2% |