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 | $18,656 | $54,353-65.7% | $82,726-77.4% | $68,498-72.8% |
| Participation rate | 15.3% | 63.9%-48.7pp | 72.6%-57.3pp | 67.9%-52.6pp |
| Annual return | -18.29% | -13.67%-4.6pp | 701.33%-719.6pp | -7.84%-10.4pp |
| Employer contribution / active EE | $342 | $2,218-84.6% | $3,009-88.6% | $2,596-86.8% |
| Participant deferral / active EE | $452 | $3,246-86.1% | $4,394-89.7% | $4,027-88.8% |
| Admin fee / account holder | $2,610 | $4,396-40.6% | $5,328-51.0% | $5,403-51.7% |