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Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $287,231 | $89,067+222.5% | $102,423+180.4% | $77,714+269.6% |
| Participation rate | 99.3% | 80.9%+18.3pp | 76.5%+22.8pp | 70.6%+28.7pp |
| Annual return | 11.76% | 25.01%-13.3pp | 29.42%-17.7pp | 31.26%-19.5pp |
| Employer contribution / active EE | $8,706 | $2,699+222.5% | $3,023+188.0% | $2,727+219.3% |
| Participant deferral / active EE | $12,077 | $5,147+134.6% | $5,054+138.9% | $4,649+159.8% |
| Admin fee / account holder | $0 | $236-100.0% | $9,455-100.0% | $433-100.0% |