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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 | $198,722 | $46,325+329.0% | $143,788+38.2% | $64,814+206.6% |
| Participation rate | 81.2% | 64.2%+17.0pp | 80.3%+0.9pp | 71.5%+9.7pp |
| Annual return | -18.30% | -10.05%-8.2pp | -0.03%-18.3pp | 32.84%-51.1pp |
| Employer contribution / active EE | $7,560 | $1,911+295.6% | $4,952+52.7% | $2,507+201.6% |
| Participant deferral / active EE | $6,973 | $2,647+163.4% | $5,638+23.7% | $4,310+61.8% |
| Admin fee / account holder | $46 | $154-69.9% | $14,675-99.7% | $188-75.3% |