Filed March 10, 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 | $58,887 | $88,815-33.7% | $81,882-28.1% | $145,897-59.6% |
| Participation rate | 16.7% | 75.1%-58.4pp | 72.4%-55.7pp | 80.3%-63.6pp |
| Annual return | 10.62% | 1033.75%-1023.1pp | 779.47%-768.8pp | 552.29%-541.7pp |
| Employer contribution / active EE | $5,149 | $3,086+66.8% | $2,916+76.6% | $4,663+10.4% |
| Participant deferral / active EE | $3,622 | $4,647-22.1% | $4,323-16.2% | $6,689-45.9% |
| Admin fee / account holder | $2,039 | $8,434-75.8% | $7,360-72.3% | $13,390-84.8% |