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Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $50,444 | $50,919-0.9% | $155,556-67.6% | $77,762-35.1% |
| Participation rate | 96.9% | 63.1%+33.8pp | 78.2%+18.7pp | 70.6%+26.3pp |
| Annual return | 12.17% | 34.84%-22.7pp | 64.84%-52.7pp | 31.27%-19.1pp |
| Employer contribution / active EE | $3,286 | $1,991+65.0% | $4,675-29.7% | $2,728+20.4% |
| Participant deferral / active EE | $4,444 | $2,824+57.3% | $5,631-21.1% | $4,651-4.4% |
| Admin fee / account holder | $198 | $437-54.7% | $15,885-98.8% | $433-54.3% |