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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 | $73,442 | $64,176+14.4% | $112,249-34.6% | $66,938+9.7% |
| Participation rate | 100.0% | 68.4%+31.6pp | 75.1%+24.9pp | 69.8%+30.2pp |
| Annual return | -16.74% | -13.80%-2.9pp | 27.48%-44.2pp | 1.58%-18.3pp |
| Employer contribution / active EE | $16,756 | $3,007+457.3% | $3,636+360.8% | $2,545+558.4% |
| Participant deferral / active EE | $3,352 | $3,694-9.2% | $4,729-29.1% | $4,238-20.9% |
| Admin fee / account holder | $0 | $626-100.0% | $6,412-100.0% | $594-100.0% |