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 | $35,884 | $65,390-45.1% | $169,381-78.8% | $71,535-49.8% |
| Participation rate | 76.5% | 66.9%+9.6pp | 77.2%-0.7pp | 67.9%+8.6pp |
| Annual return | 17.97% | 21.34%-3.4pp | 406.41%-388.4pp | 28.97%-11.0pp |
| Employer contribution / active EE | $4,107 | $2,064+99.0% | $4,013+2.3% | $2,590+58.6% |
| Participant deferral / active EE | $1,409 | $4,356-67.7% | $6,224-77.4% | $4,292-67.2% |
| Admin fee / account holder | $0 | $1,327-100.0% | $9,013-100.0% | $1,589-100.0% |