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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 | $69,067 | $79,223-12.8% | $102,460-32.6% | $74,478-7.3% |
| Participation rate | 70.2% | 74.8%-4.6pp | 76.5%-6.3pp | 67.2%+2.9pp |
| Annual return | 3.82% | 54.98%-51.2pp | 29.47%-25.6pp | 1370.56%-1366.7pp |
| Employer contribution / active EE | $3,181 | $2,363+34.6% | $3,025+5.1% | $2,626+21.1% |
| Participant deferral / active EE | $5,882 | $4,417+33.2% | $5,056+16.3% | $4,350+35.2% |
| Admin fee / account holder | $25 | $2,003-98.7% | $9,460-99.7% | $1,946-98.7% |