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 | $23,827 | $57,330-58.4% | $86,656-72.5% | $75,177-68.3% |
| Participation rate | 17.0% | 63.2%-46.2pp | 71.7%-54.7pp | 67.2%-50.2pp |
| Annual return | 15.66% | 2675.40%-2659.7pp | 593.09%-577.4pp | 160.75%-145.1pp |
| Employer contribution / active EE | $379 | $2,316-83.6% | $3,025-87.5% | $2,671-85.8% |
| Participant deferral / active EE | $650 | $3,320-80.4% | $4,439-85.3% | $4,126-84.2% |
| Admin fee / account holder | $3,579 | $4,115-13.0% | $5,619-36.3% | $5,651-36.7% |