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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 | $74,869 | $73,988+1.2% | $96,538-22.4% | $75,177-0.4% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 14.88% | 26.73%-11.8pp | 35.74%-20.9pp | 160.75%-145.9pp |
| Employer contribution / active EE | $4,763 | $2,930+62.5% | $3,740+27.3% | $2,671+78.3% |
| Participant deferral / active EE | $3,268 | $3,660-10.7% | $4,880-33.0% | $4,126-20.8% |
| Admin fee / account holder | $42 | $5,220-99.2% | $6,737-99.4% | $5,651-99.3% |