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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 | $79,045-37.1% | $100,378-50.5% | $74,429-33.2% |
| Participation rate | 77.7% | 79.4%-1.8pp | 81.5%-3.8pp | 67.2%+10.5pp |
| Annual return | 18.98% | 20.61%-1.6pp | 49.41%-30.4pp | 1368.38%-1349.4pp |
| Employer contribution / active EE | $0 | $3,015-100.0% | $3,942-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $11,399 | $7,751+47.1% | $8,087+41.0% | $4,348+162.2% |
| Admin fee / account holder | $172 | $1,335-87.1% | $7,899-97.8% | $1,944-91.2% |