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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 | $79,181-45.9% | $102,423-58.2% | $74,429-42.4% |
| Participation rate | 91.2% | 74.8%+16.4pp | 76.5%+14.7pp | 67.2%+24.0pp |
| Annual return | 17.38% | 54.97%-37.6pp | 29.42%-12.0pp | 1368.38%-1351.0pp |
| Employer contribution / active EE | $3,259 | $2,362+38.0% | $3,023+7.8% | $2,625+24.1% |
| Participant deferral / active EE | $6,070 | $4,416+37.5% | $5,054+20.1% | $4,348+39.6% |
| Admin fee / account holder | $23 | $2,002-98.8% | $9,455-99.8% | $1,944-98.8% |