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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 | $24,085 | $46,332-48.0% | $143,799-83.3% | $64,819-62.8% |
| Participation rate | 79.7% | 64.2%+15.5pp | 80.3%-0.6pp | 71.5%+8.2pp |
| Annual return | -12.32% | -10.05%-2.3pp | -0.04%-12.3pp | 32.84%-45.2pp |
| Employer contribution / active EE | $1,284 | $1,911-32.8% | $4,952-74.1% | $2,507-48.8% |
| Participant deferral / active EE | $1,493 | $2,647-43.6% | $5,638-73.5% | $4,311-65.4% |
| Admin fee / account holder | $22 | $154-85.5% | $14,677-99.8% | $188-88.2% |