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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 | $33,698 | $38,365-12.2% | $84,637-60.2% | $65,186-48.3% |
| Participation rate | 82.0% | 55.7%+26.4pp | 68.2%+13.8pp | 70.2%+11.8pp |
| Annual return | 20.58% | 32.00%-11.4pp | 258.82%-238.2pp | 29.39%-8.8pp |
| Employer contribution / active EE | $2,554 | $1,258+102.9% | $2,653-3.7% | $2,177+17.3% |
| Participant deferral / active EE | $2,656 | $2,278+16.6% | $3,900-31.9% | $3,514-24.4% |
| Admin fee / account holder | $0 | $451-100.0% | $4,914-100.0% | $847-100.0% |