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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 | $4,861 | $24,891-80.5% | $69,611-93.0% | $74,429-93.5% |
| Participation rate | 71.5% | 63.4%+8.1pp | 66.4%+5.1pp | 67.2%+4.3pp |
| Annual return | 26.49% | 18.53%+8.0pp | 101.14%-74.7pp | 1368.38%-1341.9pp |
| Employer contribution / active EE | $692 | $1,005-31.2% | $1,709-59.5% | $2,625-73.6% |
| Participant deferral / active EE | $1,630 | $1,908-14.6% | $2,891-43.6% | $4,348-62.5% |
| Admin fee / account holder | $18 | $1,904-99.1% | $4,696-99.6% | $1,944-99.1% |