Filed November 7, 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 | $25,331 | $81,276-68.8% | $155,574-83.7% | $80,925-68.7% |
| Participation rate | 11.1% | 66.2%-55.1pp | 78.2%-67.1pp | 67.7%-56.5pp |
| Annual return | -68.72% | 33.36%-102.1pp | 64.87%-133.6pp | 35.65%-104.4pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $4,676-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,328 | $3,453-32.6% | $5,629-58.6% | $4,299-45.8% |
| Admin fee / account holder | $12,865 | $7,993+60.9% | $15,914-19.2% | $6,940+85.4% |