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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 | $20,928 | $25,979-19.4% | $71,778-70.8% | $68,490-69.4% |
| Participation rate | 98.8% | 54.5%+44.3pp | 62.3%+36.4pp | 67.9%+30.9pp |
| Annual return | -10.27% | -15.10%+4.8pp | 9.15%-19.4pp | -7.85%-2.4pp |
| Employer contribution / active EE | $4,577 | $900+408.4% | $1,704+168.6% | $2,597+76.3% |
| Participant deferral / active EE | $8,654 | $1,522+468.5% | $2,656+225.8% | $4,028+114.8% |
| Admin fee / account holder | $19 | $2,022-99.0% | $3,974-99.5% | $5,403-99.6% |