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Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,683 | $79,089-37.2% | $100,392-50.5% | $74,459-33.3% |
| Participation rate | 77.7% | 79.4%-1.7pp | 81.5%-3.8pp | 67.2%+10.5pp |
| Annual return | 18.98% | 20.61%-1.6pp | 49.45%-30.5pp | 1369.70%-1350.7pp |
| Employer contribution / active EE | $0 | $3,015-100.0% | $3,941-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $11,399 | $7,747+47.1% | $8,090+40.9% | $4,350+162.1% |
| Admin fee / account holder | $172 | $1,336-87.1% | $7,904-97.8% | $1,945-91.2% |