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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 | $25,459 | $76,696-66.8% | $96,538-73.6% | $71,529-64.4% |
| Participation rate | 81.9% | 66.6%+15.3pp | 74.3%+7.5pp | 67.9%+14.0pp |
| Annual return | 20.51% | 48.32%-27.8pp | 35.74%-15.2pp | 28.97%-8.5pp |
| Employer contribution / active EE | $691 | $3,032-77.2% | $3,740-81.5% | $2,590-73.3% |
| Participant deferral / active EE | $2,512 | $3,770-33.4% | $4,880-48.5% | $4,291-41.5% |
| Admin fee / account holder | $131 | $2,030-93.5% | $6,737-98.1% | $1,588-91.7% |