question:
What is our total AUM and how has it grown QoQ? What percentage of growth is organic contributions vs market appreciation?

datasets:
- hi_plans.csv (120 rows): Plan master with plan_id, company_name, plan_type, plan_status, effective_date, termination_date, industry, employee_count_tier, state, advisor_id, recordkeeper_fee_bps
- hi_plan_snapshots.csv (1368 rows): Monthly snapshots with snapshot_id, plan_id, snapshot_date, participant_count, beginning_market_value, contributions_employee, contributions_employer, rollovers_in, distributions, rollovers_out, market_gain_loss, ending_market_value, net_cash_flow, is_provisional

expected answer:
Total AUM (Q4 2025): $10.8B across 108 active plans.

QoQ Growth: Q3: $9.5B → Q4: $10.8B = +$1.3B (+14% QoQ).

YoY Growth: Q4 2024: $6.2B → Q4 2025: $10.8B = +$4.6B (+74% YoY). Note: Q4 2024 AUM is derived from January 2025 beginning_market_value.

Growth Breakdown (Q4):
- Organic (net cash flow): ~$770M (61% of growth) from contributions minus distributions plus net rollovers
- Market appreciation: ~$500M (39% of growth) from investment returns

At current quarterly growth rate of ~$1.3B, projected year-end 2026 AUM would reach ~$16B, exceeding the $15B target.
