Filed November 20, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $42,593 | $49,976-14.8% | $66,674-36.1% | $82,637-48.5% |
| Participation rate | 8.5% | 63.1%-54.6pp | 73.7%-65.2pp | 68.1%-59.5pp |
| Annual return | 17.41% | 39.09%-21.7pp | 321.24%-303.8pp | 53.51%-36.1pp |
| Employer contribution / active EE | $251 | $1,988-87.4% | $2,620-90.4% | $2,552-90.2% |
| Participant deferral / active EE | $373 | $2,847-86.9% | $4,084-90.9% | $4,126-91.0% |
| Admin fee / account holder | $1,687 | $4,594-63.3% | $5,098-66.9% | $7,339-77.0% |