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Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $16,450 | $100,272-83.6% | $170,043-90.3% | $74,460-77.9% |
| Participation rate | 91.4% | 87.4%+4.0pp | 87.0%+4.4pp | 70.7%+20.7pp |
| Annual return | 766.82% | 66.12%+700.7pp | 53.40%+713.4pp | 34.38%+732.4pp |
| Employer contribution / active EE | $2,256 | $4,266-47.1% | $6,790-66.8% | $2,638-14.5% |
| Participant deferral / active EE | $4,214 | $7,147-41.0% | $10,410-59.5% | $4,530-7.0% |
| Admin fee / account holder | $9 | $235-96.3% | $12,824-99.9% | $348-97.5% |