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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 | $50,820-0.7% | $155,567-67.6% | $77,671-35.1% |
| Participation rate | 96.9% | 63.1%+33.8pp | 78.2%+18.7pp | 70.6%+26.3pp |
| Annual return | 12.17% | 34.85%-22.7pp | 64.74%-52.6pp | 31.21%-19.0pp |
| Employer contribution / active EE | $3,286 | $1,993+64.9% | $4,674-29.7% | $2,726+20.5% |
| Participant deferral / active EE | $4,444 | $2,823+57.4% | $5,628-21.0% | $4,648-4.4% |
| Admin fee / account holder | $198 | $436-54.6% | $15,916-98.8% | $430-54.0% |