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 | $64,920-34.4% | $103,693-58.9% | $86,983-51.0% |
| Participation rate | 8.5% | 63.6%-55.1pp | 72.6%-64.1pp | 69.5%-61.0pp |
| Annual return | 17.41% | 30.29%-12.9pp | 47.61%-30.2pp | 25.83%-8.4pp |
| Employer contribution / active EE | $251 | $2,141-88.3% | $2,920-91.4% | $2,584-90.3% |
| Participant deferral / active EE | $373 | $3,241-88.5% | $4,579-91.8% | $4,194-91.1% |
| Admin fee / account holder | $1,687 | $6,191-72.7% | $7,858-78.5% | $7,856-78.5% |