Filed September 26, 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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $63,857 | $87,060-26.7% | $105,591-39.5% | $80,911-21.1% |
| Participation rate | 45.2% | 70.4%-25.3pp | 75.3%-30.1pp | 67.6%-22.5pp |
| Annual return | 11.99% | 17.05%-5.1pp | 116.43%-104.4pp | 35.63%-23.6pp |
| Employer contribution / active EE | $510 | $2,396-78.7% | $3,166-83.9% | $2,756-81.5% |
| Participant deferral / active EE | $2,651 | $3,986-33.5% | $5,008-47.1% | $4,297-38.3% |
| Admin fee / account holder | $7,909 | $8,442-6.3% | $11,024-28.3% | $6,935+14.0% |