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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 | $4,126 | $25,014-83.5% | $69,611-94.1% | $80,925-94.9% |
| Participation rate | 74.4% | 64.2%+10.2pp | 66.4%+8.0pp | 67.7%+6.8pp |
| Annual return | 16.03% | 19.08%-3.0pp | 101.14%-85.1pp | 35.65%-19.6pp |
| Employer contribution / active EE | $762 | $991-23.1% | $1,709-55.4% | $2,756-72.3% |
| Participant deferral / active EE | $991 | $1,840-46.1% | $2,891-65.7% | $4,299-77.0% |
| Admin fee / account holder | $13 | $2,491-99.5% | $4,696-99.7% | $6,940-99.8% |