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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 | $4,472 | $16,790-73.4% | $64,489-93.1% | $67,986-93.4% |
| Participation rate | 83.0% | 62.4%+20.6pp | 67.7%+15.3pp | 57.2%+25.8pp |
| Annual return | 20.38% | 30.55%-10.2pp | 55.03%-34.7pp | 31.67%-11.3pp |
| Employer contribution / active EE | $640 | $648-1.2% | $1,523-58.0% | $2,019-68.3% |
| Participant deferral / active EE | $1,398 | $1,510-7.4% | $2,778-49.7% | $3,358-58.4% |
| Admin fee / account holder | $24 | $1,690-98.6% | $4,260-99.4% | $3,203-99.3% |