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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 | $5,338 | $79,961-93.3% | $98,462-94.6% | $75,177-92.9% |
| Participation rate | 94.1% | 70.4%+23.8pp | 75.2%+18.9pp | 67.2%+26.9pp |
| Annual return | 25.24% | 19.75%+5.5pp | 21.17%+4.1pp | 160.75%-135.5pp |
| Employer contribution / active EE | $2,484 | $2,264+9.7% | $3,049-18.5% | $2,671-7.0% |
| Participant deferral / active EE | $3,320 | $3,753-11.5% | $4,738-29.9% | $4,126-19.5% |
| Admin fee / account holder | $19 | $6,842-99.7% | $8,875-99.8% | $5,651-99.7% |