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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 | $45,008 | $106,749-57.8% | $145,433-69.1% | $82,448-45.4% |
| Participation rate | 90.8% | 75.6%+15.2pp | 82.1%+8.7pp | 68.1%+22.7pp |
| Annual return | 19.77% | 27.59%-7.8pp | 66.58%-46.8pp | 41.64%-21.9pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $11,402 | $6,519+74.9% | $7,897+44.4% | $4,139+175.5% |
| Admin fee / account holder | $51 | $8,390-99.4% | $13,129-99.6% | $7,234-99.3% |