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 | $59,115 | $63,845-7.4% | $81,370-27.4% | $80,959-27.0% |
| Participation rate | 44.9% | 63.9%-18.9pp | 69.5%-24.6pp | 67.7%-22.7pp |
| Annual return | 11.99% | 16.37%-4.4pp | 24.85%-12.9pp | 35.67%-23.7pp |
| Employer contribution / active EE | $1,490 | $1,980-24.7% | $2,464-39.5% | $2,757-46.0% |
| Participant deferral / active EE | $2,535 | $3,093-18.0% | $3,885-34.8% | $4,300-41.1% |
| Admin fee / account holder | $8,360 | $5,688+47.0% | $5,749+45.4% | $6,925+20.7% |