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 | $103,137 | $77,180+33.6% | $117,861-12.5% | $177,276-41.8% |
| Participation rate | 93.0% | 85.8%+7.3pp | 79.7%+13.3pp | 74.8%+18.2pp |
| Annual return | 16.77% | 20.91%-4.1pp | 335.11%-318.3pp | 21.25%-4.5pp |
| Employer contribution / active EE | $2,263 | $1,992+13.6% | $3,786-40.2% | $2,479-8.7% |
| Participant deferral / active EE | $4,301 | $3,956+8.7% | $4,482-4.0% | $3,881+10.8% |
| Admin fee / account holder | -$104 | $54-291.3% | $8,021-101.3% | $154-167.5% |