Filed November 20, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,945 | $60,119-63.5% | $90,414-75.7% | $79,860-72.5% |
| Participation rate | 14.0% | 65.0%-50.9pp | 72.7%-58.6pp | 69.6%-55.6pp |
| Annual return | 7.66% | 71.94%-64.3pp | 1293.19%-1285.5pp | 31.72%-24.1pp |
| Employer contribution / active EE | $470 | $2,068-77.3% | $3,262-85.6% | $2,471-81.0% |
| Participant deferral / active EE | $825 | $2,938-71.9% | $3,963-79.2% | $3,740-78.0% |
| Admin fee / account holder | $3,945 | $3,976-0.8% | $5,611-29.7% | $5,306-25.7% |