Filed January 16, 2026 (most recent of 3 filings on file)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Form 5500 reported that benefits due were not provided when due.
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 | $94,293 | $70,961+32.9% | $108,582-13.2% | $65,292+44.4% |
| Participation rate | 91.0% | 80.9%+10.1pp | 79.6%+11.5pp | 72.4%+18.6pp |
| Annual return | 13.44% | 10.24%+3.2pp | -51.70%+65.1pp | 11.84%+1.6pp |
| Employer contribution / active EE | $2,145 | $1,833+17.0% | $3,758-42.9% | $2,302-6.8% |
| Participant deferral / active EE | $4,046 | $3,662+10.5% | $4,311-6.2% | $3,579+13.1% |
| Admin fee / account holder | -$109 | $43-357.1% | $7,645-101.4% | $57-290.9% |