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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 | $3,029 | $16,790-82.0% | $64,489-95.3% | $67,986-95.5% |
| Participation rate | 74.2% | 62.4%+11.8pp | 67.7%+6.5pp | 57.2%+17.0pp |
| Annual return | 35.45% | 30.55%+4.9pp | 55.03%-19.6pp | 31.67%+3.8pp |
| Employer contribution / active EE | $449 | $648-30.7% | $1,523-70.6% | $2,019-77.8% |
| Participant deferral / active EE | $999 | $1,510-33.9% | $2,778-64.1% | $3,358-70.3% |
| Admin fee / account holder | $15 | $1,690-99.1% | $4,260-99.7% | $3,203-99.5% |