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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 | $110,437 | $101,591+8.7% | $147,096-24.9% | $74,429+48.4% |
| Participation rate | 96.4% | 75.5%+20.9pp | 82.2%+14.2pp | 67.2%+29.2pp |
| Annual return | 12.74% | 8746.45%-8733.7pp | 419.75%-407.0pp | 1368.38%-1355.6pp |
| Employer contribution / active EE | $6,598 | $3,813+73.1% | $4,936+33.7% | $2,625+151.4% |
| Participant deferral / active EE | $7,798 | $7,302+6.8% | $8,071-3.4% | $4,348+79.3% |
| Admin fee / account holder | $19 | $1,750-98.9% | $13,005-99.9% | $1,944-99.0% |