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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 | $101,653-56.3% | $147,080-69.8% | $74,459-40.4% |
| Participation rate | 96.2% | 75.6%+20.6pp | 82.2%+14.0pp | 67.2%+29.0pp |
| Annual return | 19.59% | 8754.98%-8735.4pp | 420.17%-400.6pp | 1369.70%-1350.1pp |
| Employer contribution / active EE | $4,639 | $3,813+21.6% | $4,933-6.0% | $2,626+76.7% |
| Participant deferral / active EE | $6,824 | $7,304-6.6% | $8,066-15.4% | $4,350+56.9% |
| Admin fee / account holder | $7 | $1,752-99.6% | $12,989-99.9% | $1,945-99.6% |