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 | $81,233-68.8% | $155,567-83.7% | $80,874-68.7% |
| Participation rate | 11.1% | 66.2%-55.1pp | 78.2%-67.1pp | 67.6%-56.5pp |
| Annual return | -68.72% | 33.33%-102.0pp | 64.74%-133.5pp | 35.62%-104.3pp |
| Employer contribution / active EE | $0 | $3,101-100.0% | $4,674-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,328 | $3,452-32.5% | $5,628-58.6% | $4,297-45.8% |
| Admin fee / account holder | $12,865 | $7,998+60.9% | $15,916-19.2% | $6,935+85.5% |