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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 | $23,556 | $45,602-48.3% | $117,533-80.0% | $66,938-64.8% |
| Participation rate | 94.0% | 57.6%+36.4pp | 70.6%+23.4pp | 69.8%+24.2pp |
| Annual return | -14.79% | -16.74%+1.9pp | 29.77%-44.6pp | 1.58%-16.4pp |
| Employer contribution / active EE | $4,640 | $1,579+193.9% | $4,179+11.0% | $2,545+82.3% |
| Participant deferral / active EE | $5,536 | $2,845+94.6% | $4,072+35.9% | $4,238+30.6% |
| Admin fee / account holder | $18 | $661-97.3% | $5,647-99.7% | $594-97.0% |