Participant 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 | $26,894 | $59,140-54.5% | $160,039-83.2% | $66,954-59.8% |
| Participation rate | 76.7% | 68.1%+8.5pp | 78.0%-1.3pp | 69.8%+6.8pp |
| Annual return | -17.38% | -12.25%-5.1pp | 409.10%-426.5pp | 1.57%-19.0pp |
| Employer contribution / active EE | $3,903 | $1,982+96.9% | $4,226-7.6% | $2,545+53.4% |
| Participant deferral / active EE | $1,458 | $4,399-66.8% | $6,184-76.4% | $4,239-65.6% |
| Admin fee / account holder | $0 | $591-100.0% | $8,716-100.0% | $594-100.0% |