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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 | $23,593 | $63,346-62.8% | $92,240-74.4% | $70,126-66.4% |
| Participation rate | 100.0% | 68.7%+31.3pp | 76.5%+23.5pp | 69.5%+30.5pp |
| Annual return | 22.50% | 530.19%-507.7pp | 176.29%-153.8pp | 73.15%-50.7pp |
| Employer contribution / active EE | $18,553 | $2,471+650.7% | $3,680+404.2% | $2,343+692.0% |
| Participant deferral / active EE | $3,074 | $2,854+7.7% | $3,897-21.1% | $3,332-7.7% |
| Admin fee / account holder | $0 | $3,841-100.0% | $5,194-100.0% | $4,645-100.0% |