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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 | $64,500 | $59,402+8.6% | $93,654-31.1% | $74,546-13.5% |
| Participation rate | 90.3% | 59.7%+30.7pp | 68.7%+21.6pp | 67.2%+23.1pp |
| Annual return | 11.79% | 81.86%-70.1pp | 133.34%-121.5pp | 1366.03%-1354.2pp |
| Employer contribution / active EE | $1,472 | $1,265+16.4% | $2,421-39.2% | $2,624-43.9% |
| Participant deferral / active EE | $5,611 | $3,049+84.1% | $4,413+27.2% | $4,347+29.1% |
| Admin fee / account holder | $33 | $3,023-98.9% | $8,282-99.6% | $1,944-98.3% |