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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 | $24,891-91.8% | $69,632-97.1% | $74,478-97.3% |
| Participation rate | 75.0% | 63.4%+11.6pp | 66.4%+8.6pp | 67.2%+7.8pp |
| Annual return | 17.14% | 18.53%-1.4pp | 101.32%-84.2pp | 1370.56%-1353.4pp |
| Employer contribution / active EE | $590 | $1,005-41.3% | $1,708-65.5% | $2,626-77.5% |
| Participant deferral / active EE | $1,543 | $1,908-19.1% | $2,889-46.6% | $4,350-64.5% |
| Admin fee / account holder | $8 | $1,904-99.6% | $4,695-99.8% | $1,946-99.6% |