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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 | $44,375 | $101,591-56.3% | $147,096-69.8% | $74,429-40.4% |
| Participation rate | 96.2% | 75.5%+20.7pp | 82.2%+14.0pp | 67.2%+29.0pp |
| Annual return | 19.59% | 8746.45%-8726.9pp | 419.75%-400.2pp | 1368.38%-1348.8pp |
| Employer contribution / active EE | $4,639 | $3,813+21.7% | $4,936-6.0% | $2,625+76.7% |
| Participant deferral / active EE | $6,824 | $7,302-6.5% | $8,071-15.4% | $4,348+56.9% |
| Admin fee / account holder | $7 | $1,750-99.6% | $13,005-99.9% | $1,944-99.6% |