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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 | $42,842 | $79,223-45.9% | $102,460-58.2% | $74,478-42.5% |
| Participation rate | 91.2% | 74.8%+16.5pp | 76.5%+14.7pp | 67.2%+24.0pp |
| Annual return | 17.38% | 54.98%-37.6pp | 29.47%-12.1pp | 1370.56%-1353.2pp |
| Employer contribution / active EE | $3,259 | $2,363+37.9% | $3,025+7.7% | $2,626+24.1% |
| Participant deferral / active EE | $6,070 | $4,417+37.4% | $5,056+20.1% | $4,350+39.5% |
| Admin fee / account holder | $23 | $2,003-98.8% | $9,460-99.8% | $1,946-98.8% |