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 | $67,894+11.9% | $89,340-14.9% | $82,448-7.8% |
| Participation rate | 42.7% | 64.0%-21.3pp | 69.6%-26.9pp | 68.1%-25.4pp |
| Annual return | 18.20% | 19.21%-1.0pp | 20.57%-2.4pp | 41.64%-23.4pp |
| Employer contribution / active EE | $1,249 | $1,828-31.7% | $2,231-44.0% | $2,551-51.0% |
| Participant deferral / active EE | $2,364 | $3,072-23.0% | $3,823-38.2% | $4,139-42.9% |
| Admin fee / account holder | $1,594 | $5,723-72.1% | $6,704-76.2% | $7,234-78.0% |