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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 | $41,982 | $104,336-59.8% | $159,474-73.7% | $86,821-51.6% |
| Participation rate | 83.1% | 77.7%+5.4pp | 82.8%+0.3pp | 72.3%+10.8pp |
| Annual return | 66.56% | 26.32%+40.2pp | 263.68%-197.1pp | 97.94%-31.4pp |
| Employer contribution / active EE | $1,069 | $3,451-69.0% | $4,831-77.9% | $2,406-55.6% |
| Participant deferral / active EE | $10,621 | $6,837+55.3% | $7,353+44.4% | $4,132+157.1% |
| Admin fee / account holder | $18 | $172-89.7% | $10,802-99.8% | $170-89.6% |