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 | $23,422 | $65,440-64.2% | $98,506-76.2% | $85,851-72.7% |
| Participation rate | 16.4% | 65.0%-48.7pp | 73.3%-57.0pp | 69.3%-53.0pp |
| Annual return | 13.15% | 21.75%-8.6pp | 1494.92%-1481.8pp | 318.63%-305.5pp |
| Employer contribution / active EE | $396 | $2,169-81.7% | $2,961-86.6% | $2,565-84.6% |
| Participant deferral / active EE | $590 | $3,168-81.4% | $4,277-86.2% | $3,952-85.1% |
| Admin fee / account holder | $2,391 | $4,596-48.0% | $5,955-59.8% | $6,261-61.8% |