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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 | $101,653+8.6% | $147,080-24.9% | $74,459+48.3% |
| Participation rate | 96.4% | 75.6%+20.8pp | 82.2%+14.2pp | 67.2%+29.2pp |
| Annual return | 12.74% | 8754.98%-8742.2pp | 420.17%-407.4pp | 1369.70%-1357.0pp |
| Employer contribution / active EE | $6,598 | $3,813+73.0% | $4,933+33.7% | $2,626+151.3% |
| Participant deferral / active EE | $7,798 | $7,304+6.8% | $8,066-3.3% | $4,350+79.3% |
| Admin fee / account holder | $19 | $1,752-98.9% | $12,989-99.9% | $1,945-99.0% |