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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 | $28,854 | $81,457-64.6% | $103,378-72.1% | $80,911-64.3% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.6%+32.4pp |
| Annual return | 15.27% | 25.58%-10.3pp | 24.91%-9.6pp | 35.63%-20.4pp |
| Employer contribution / active EE | $5,456 | $3,107+75.6% | $3,870+41.0% | $2,756+98.0% |
| Participant deferral / active EE | $4,457 | $3,871+15.1% | $5,058-11.9% | $4,297+3.7% |
| Admin fee / account holder | $0 | $6,717-100.0% | $8,401-100.0% | $6,935-100.0% |