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 | $108,916 | $85,938+26.7% | $125,195-13.0% | $89,609+21.5% |
| Participation rate | 92.3% | 73.9%+18.4pp | 79.8%+12.5pp | 69.6%+22.7pp |
| Annual return | 25.76% | 20.69%+5.1pp | 43.79%-18.0pp | 33.65%-7.9pp |
| Employer contribution / active EE | $2,041 | $2,681-23.9% | $3,866-47.2% | $2,584-21.0% |
| Participant deferral / active EE | $4,515 | $3,818+18.3% | $4,937-8.5% | $4,222+6.9% |
| Admin fee / account holder | -$106 | $56-288.2% | $9,704-101.1% | $72-248.2% |