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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 | $5,471 | $25,014-78.1% | $69,623-92.1% | $80,935-93.2% |
| Participation rate | 74.2% | 64.2%+10.0pp | 66.4%+7.8pp | 67.7%+6.6pp |
| Annual return | 15.94% | 19.08%-3.1pp | 101.23%-85.3pp | 35.66%-19.7pp |
| Employer contribution / active EE | $579 | $991-41.6% | $1,709-66.1% | $2,757-79.0% |
| Participant deferral / active EE | $1,376 | $1,840-25.2% | $2,890-52.4% | $4,299-68.0% |
| Admin fee / account holder | $23 | $2,491-99.1% | $4,696-99.5% | $6,924-99.7% |