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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 | $31,752 | $44,714-29.0% | $91,225-65.2% | $66,930-52.6% |
| Participation rate | 82.6% | 65.0%+17.6pp | 73.2%+9.4pp | 69.8%+12.8pp |
| Annual return | -18.16% | -12.25%-5.9pp | 114.10%-132.3pp | 1.57%-19.7pp |
| Employer contribution / active EE | $1,513 | $1,710-11.5% | $2,851-46.9% | $2,545-40.6% |
| Participant deferral / active EE | $3,712 | $3,355+10.6% | $4,234-12.3% | $4,238-12.4% |
| Admin fee / account holder | $104 | $521-80.1% | $5,422-98.1% | $593-82.5% |