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Annual investment return is in the bottom quintile of the peer cohort.
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 | $43,903 | $78,672-44.2% | $109,163-59.8% | $85,856-48.9% |
| Participation rate | 100.0% | 68.3%+31.7pp | 75.9%+24.1pp | 69.3%+30.7pp |
| Annual return | 9.60% | 25.09%-15.5pp | 25.75%-16.2pp | 318.58%-309.0pp |
| Employer contribution / active EE | $2,832 | $2,734+3.6% | $3,723-23.9% | $2,565+10.4% |
| Participant deferral / active EE | $3,129 | $3,467-9.8% | $4,654-32.8% | $3,952-20.8% |
| Admin fee / account holder | $0 | $5,470-100.0% | $6,754-100.0% | $6,261-100.0% |