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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 | $2,035 | $24,811-91.8% | $69,701-97.1% | $74,546-97.3% |
| Participation rate | 75.0% | 63.5%+11.5pp | 66.4%+8.6pp | 67.2%+7.8pp |
| Annual return | 17.14% | 18.53%-1.4pp | 100.32%-83.2pp | 1366.03%-1348.9pp |
| Employer contribution / active EE | $590 | $1,003-41.2% | $1,713-65.6% | $2,624-77.5% |
| Participant deferral / active EE | $1,543 | $1,904-19.0% | $2,887-46.6% | $4,347-64.5% |
| Admin fee / account holder | $8 | $1,898-99.6% | $4,717-99.8% | $1,944-99.6% |