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Annual investment return 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 | $28,442 | $58,320-51.2% | $86,451-67.1% | $66,949-57.5% |
| Participation rate | 84.2% | 78.6%+5.6pp | 80.3%+3.9pp | 69.8%+14.4pp |
| Annual return | -20.15% | -9.71%-10.4pp | 4398.51%-4418.7pp | 1.57%-21.7pp |
| Employer contribution / active EE | $5,668 | $2,615+116.7% | $3,770+50.4% | $2,545+122.7% |
| Participant deferral / active EE | $10,780 | $6,899+56.3% | $6,953+55.0% | $4,239+154.3% |
| Admin fee / account holder | $13 | $546-97.7% | $6,734-99.8% | $594-97.9% |