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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 | $46,737 | $102,422-54.4% | $147,117-68.2% | $80,959-42.3% |
| Participation rate | 96.6% | 75.9%+20.8pp | 82.2%+14.4pp | 67.7%+29.0pp |
| Annual return | 17.58% | 135.16%-117.6pp | 420.54%-403.0pp | 35.67%-18.1pp |
| Employer contribution / active EE | $1,041 | $3,717-72.0% | $4,932-78.9% | $2,757-62.2% |
| Participant deferral / active EE | $10,532 | $6,652+58.3% | $8,065+30.6% | $4,300+144.9% |
| Admin fee / account holder | $4 | $7,953-99.9% | $12,993-100.0% | $6,925-99.9% |