Filed December 23, 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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $75,997 | $72,607+4.7% | $90,259-15.8% | $87,485-13.1% |
| Participation rate | 42.7% | 64.8%-22.1pp | 70.7%-28.0pp | 68.9%-26.2pp |
| Annual return | 18.20% | 18.59%-0.4pp | 18.88%-0.7pp | 26.06%-7.9pp |
| Employer contribution / active EE | $1,249 | $1,919-34.9% | $2,291-45.5% | $2,596-51.9% |
| Participant deferral / active EE | $2,364 | $3,055-22.6% | $3,827-38.2% | $4,274-44.7% |
| Admin fee / account holder | $1,594 | $5,947-73.2% | $7,267-78.1% | $7,775-79.5% |