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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 | $102,382-54.4% | $147,005-68.2% | $80,874-42.2% |
| Participation rate | 96.6% | 75.8%+20.8pp | 82.2%+14.5pp | 67.6%+29.0pp |
| Annual return | 17.58% | 134.89%-117.3pp | 418.76%-401.2pp | 35.62%-18.0pp |
| Employer contribution / active EE | $1,041 | $3,715-72.0% | $4,934-78.9% | $2,756-62.2% |
| Participant deferral / active EE | $10,532 | $6,646+58.5% | $8,070+30.5% | $4,297+145.1% |
| Admin fee / account holder | $4 | $7,942-99.9% | $13,006-100.0% | $6,935-99.9% |