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Employer contribution per participant 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 | $34,280 | $77,677-55.9% | $109,173-68.6% | $79,391-56.8% |
| Participation rate | 73.5% | 67.8%+5.7pp | 75.9%-2.4pp | 70.7%+2.8pp |
| Annual return | 17.57% | 23.44%-5.9pp | 25.75%-8.2pp | 116.88%-99.3pp |
| Employer contribution / active EE | $564 | $2,798-79.8% | $3,723-84.8% | $2,428-76.8% |
| Participant deferral / active EE | $1,954 | $3,517-44.5% | $4,654-58.0% | $4,046-51.7% |
| Admin fee / account holder | $199 | $732-72.9% | $6,755-97.1% | $627-68.3% |