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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 | $158,047 | $91,474+72.8% | $135,982+16.2% | $71,529+121.0% |
| Participation rate | 93.2% | 75.7%+17.5pp | 81.9%+11.3pp | 67.9%+25.3pp |
| Annual return | 12.99% | 29.89%-16.9pp | 68.32%-55.3pp | 28.97%-16.0pp |
| Employer contribution / active EE | $5,507 | $3,705+48.6% | $4,859+13.3% | $2,590+112.6% |
| Participant deferral / active EE | $6,020 | $7,095-15.2% | $7,760-22.4% | $4,291+40.3% |
| Admin fee / account holder | $18 | $1,267-98.6% | $10,767-99.8% | $1,588-98.9% |