Filed April 25, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,883 | $46,464-22.8% | $150,298-76.1% | $79,634-54.9% |
| Participation rate | 19.6% | 57.0%-37.3pp | 77.8%-58.1pp | 62.5%-42.8pp |
| Annual return | 11.05% | 27.89%-16.8pp | 62.79%-51.7pp | 36.46%-25.4pp |
| Employer contribution / active EE | $0 | $1,512-100.0% | $4,154-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $1,226 | $2,157-43.1% | $5,453-77.5% | $3,835-68.0% |
| Admin fee / account holder | $5,257 | $891+490.3% | $14,116-62.8% | $1,002+424.7% |