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Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,181 | $72,273-45.8% | $101,275-61.3% | $79,856-50.9% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 13.39% | 22.30%-8.9pp | 46.48%-33.1pp | 31.71%-18.3pp |
| Employer contribution / active EE | $2,684 | $2,691-0.3% | $3,660-26.7% | $2,471+8.6% |
| Participant deferral / active EE | $1,781 | $3,282-45.7% | $4,371-59.2% | $3,741-52.4% |
| Admin fee / account holder | $110 | $4,401-97.5% | $5,948-98.2% | $5,306-97.9% |