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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 | $29,292 | $48,313-39.4% | $73,309-60.0% | $52,331-44.0% |
| Participation rate | 82.5% | 68.6%+13.9pp | 74.9%+7.5pp | 68.1%+14.4pp |
| Annual return | 0.18% | 3.85%-3.7pp | 5.67%-5.5pp | 4.54%-4.4pp |
| Employer contribution / active EE | $1,925 | $1,661+15.9% | $3,237-40.5% | $1,882+2.3% |
| Participant deferral / active EE | $5,307 | $4,189+26.7% | $4,991+6.3% | $3,022+75.6% |
| Admin fee / account holder | $8 | $404-97.9% | $5,637-99.9% | $592-98.6% |