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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 | $1,945 | $81,331-97.6% | $155,534-98.7% | $80,935-97.6% |
| Participation rate | 93.8% | 66.3%+27.6pp | 78.2%+15.6pp | 67.7%+26.2pp |
| Annual return | 35.16% | 33.37%+1.8pp | 64.92%-29.8pp | 35.66%-0.5pp |
| Employer contribution / active EE | $1,165 | $3,105-62.5% | $4,675-75.1% | $2,757-57.8% |
| Participant deferral / active EE | $2,507 | $3,454-27.4% | $5,630-55.5% | $4,299-41.7% |
| Admin fee / account holder | $7 | $7,999-99.9% | $15,900-100.0% | $6,924-99.9% |