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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 | $201,161 | $82,188+144.8% | $125,401+60.4% | $64,829+210.3% |
| Participation rate | 80.4% | 77.9%+2.5pp | 82.4%-2.0pp | 71.5%+8.9pp |
| Annual return | -19.29% | 3.50%-22.8pp | 572.53%-591.8pp | 32.85%-52.1pp |
| Employer contribution / active EE | $1,640 | $3,617-54.7% | $4,816-65.9% | $2,507-34.6% |
| Participant deferral / active EE | $17,423 | $7,177+142.8% | $7,448+133.9% | $4,312+304.1% |
| Admin fee / account holder | -$4 | $163-102.3% | $10,008-100.0% | $188-102.0% |