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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 | $37,987 | $76,112-50.1% | $96,534-60.6% | $71,511-46.9% |
| Participation rate | 90.8% | 74.4%+16.4pp | 76.0%+14.9pp | 67.9%+22.9pp |
| Annual return | 19.96% | 22.81%-2.8pp | 25.88%-5.9pp | 28.86%-8.9pp |
| Employer contribution / active EE | $1,764 | $2,248-21.5% | $2,965-40.5% | $2,589-31.9% |
| Participant deferral / active EE | $8,627 | $4,217+104.6% | $4,851+77.8% | $4,291+101.1% |
| Admin fee / account holder | $15 | $2,708-99.4% | $8,253-99.8% | $1,588-99.0% |