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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 | $155,852 | $84,493+84.5% | $125,381+24.3% | $66,938+132.8% |
| Participation rate | 97.4% | 76.4%+21.0pp | 82.4%+15.0pp | 69.8%+27.6pp |
| Annual return | -16.42% | -8.49%-7.9pp | 572.31%-588.7pp | 1.58%-18.0pp |
| Employer contribution / active EE | $9,043 | $3,554+154.5% | $4,815+87.8% | $2,545+255.3% |
| Participant deferral / active EE | $16,171 | $6,783+138.4% | $7,448+117.1% | $4,238+281.5% |
| Admin fee / account holder | -$4 | $685-100.6% | $10,007-100.0% | $594-100.6% |