Filed April 25, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,247 | $50,812-32.6% | $155,602-78.0% | $77,692-55.9% |
| Participation rate | 17.5% | 63.1%-45.6pp | 78.2%-60.7pp | 70.6%-53.0pp |
| Annual return | 14.58% | 34.85%-20.3pp | 64.81%-50.2pp | 31.25%-16.7pp |
| Employer contribution / active EE | $0 | $1,989-100.0% | $4,675-100.0% | $2,726-100.0% |
| Participant deferral / active EE | $948 | $2,822-66.4% | $5,629-83.2% | $4,648-79.6% |
| Admin fee / account holder | $2,109 | $436+383.7% | $15,923-86.8% | $431+390.0% |