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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 | $88,165 | $76,696+15.0% | $96,515-8.7% | $71,511+23.3% |
| Participation rate | 100.0% | 66.6%+33.4pp | 74.3%+25.7pp | 67.9%+32.1pp |
| Annual return | 16.68% | 48.32%-31.6pp | 35.73%-19.0pp | 28.86%-12.2pp |
| Employer contribution / active EE | $17,274 | $3,032+469.8% | $3,740+361.9% | $2,589+567.2% |
| Participant deferral / active EE | $2,979 | $3,770-21.0% | $4,880-39.0% | $4,291-30.6% |
| Admin fee / account holder | $79 | $2,030-96.1% | $6,735-98.8% | $1,588-95.0% |