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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 | $31,853 | $54,357-41.4% | $82,706-61.5% | $68,495-53.5% |
| Participation rate | 100.0% | 63.9%+36.1pp | 72.6%+27.4pp | 67.9%+32.1pp |
| Annual return | -13.29% | -13.67%+0.4pp | 701.76%-715.1pp | -7.84%-5.4pp |
| Employer contribution / active EE | $4,950 | $2,218+123.2% | $3,007+64.6% | $2,596+90.7% |
| Participant deferral / active EE | $5,549 | $3,246+70.9% | $4,394+26.3% | $4,028+37.8% |
| Admin fee / account holder | $21 | $4,396-99.5% | $5,329-99.6% | $5,403-99.6% |