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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 | $3,417 | $24,891-86.3% | $69,623-95.1% | $74,459-95.4% |
| Participation rate | 79.1% | 63.4%+15.7pp | 66.4%+12.7pp | 67.2%+11.9pp |
| Annual return | 17.62% | 18.53%-0.9pp | 101.23%-83.6pp | 1369.70%-1352.1pp |
| Employer contribution / active EE | $679 | $1,005-32.4% | $1,709-60.3% | $2,626-74.1% |
| Participant deferral / active EE | $1,435 | $1,908-24.8% | $2,890-50.3% | $4,350-67.0% |
| Admin fee / account holder | $11 | $1,904-99.4% | $4,696-99.8% | $1,945-99.4% |