Filed January 19, 2026
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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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,304 | $65,712-52.4% | $57,196-45.3% | $273,972-88.6% |
| Participation rate | 50.0% | 78.3%-28.3pp | 75.3%-25.3pp | 83.0%-33.0pp |
| Annual return | 7.54% | 22.01%-14.5pp | 14.59%-7.1pp | 41.46%-33.9pp |
| Employer contribution / active EE | $2,255 | $3,280-31.2% | $2,683-15.9% | $4,869-53.7% |
| Participant deferral / active EE | $2,483 | $3,782-34.3% | $3,096-19.8% | $5,287-53.0% |
| Admin fee / account holder | $8,501 | $4,838+75.7% | $3,141+170.7% | $10,133-16.1% |