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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 | $29,912 | $70,917-57.8% | $98,920-69.8% | $73,493-59.3% |
| Participation rate | 90.2% | 73.8%+16.4pp | 76.0%+14.2pp | 70.7%+19.5pp |
| Annual return | 18.13% | 34.18%-16.0pp | 196.47%-178.3pp | 28.51%-10.4pp |
| Employer contribution / active EE | $464 | $2,037-77.2% | $2,689-82.7% | $2,270-79.5% |
| Participant deferral / active EE | $2,841 | $3,501-18.9% | $4,245-33.1% | $3,740-24.0% |
| Admin fee / account holder | $8 | $535-98.6% | $6,643-99.9% | $513-98.5% |