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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 | $160,948 | $91,439+76.0% | $135,974+18.4% | $71,511+125.1% |
| Participation rate | 97.5% | 75.7%+21.9pp | 81.9%+15.6pp | 67.9%+29.6pp |
| Annual return | 26.10% | 29.90%-3.8pp | 68.30%-42.2pp | 28.86%-2.8pp |
| Employer contribution / active EE | $9,965 | $3,705+169.0% | $4,859+105.1% | $2,589+284.9% |
| Participant deferral / active EE | $18,369 | $7,093+159.0% | $7,760+136.7% | $4,291+328.1% |
| Admin fee / account holder | $7 | $1,267-99.5% | $10,767-99.9% | $1,588-99.6% |