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 | $95,044 | $100,545-5.5% | $110,243-13.8% | $73,367+29.5% |
| Participation rate | 94.8% | 67.8%+27.0pp | 79.8%+15.0pp | 69.5%+25.3pp |
| Annual return | -3.87% | -1.49%-2.4pp | 314.76%-318.6pp | 173.45%-177.3pp |
| Employer contribution / active EE | $2,772 | $2,405+15.3% | $3,827-27.6% | $2,499+10.9% |
| Participant deferral / active EE | $4,671 | $3,439+35.8% | $4,6720% | $4,033+15.8% |
| Admin fee / account holder | -$113 | $81-239.9% | $8,548-101.3% | $68-265.0% |