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 | $81,358-68.9% | $155,556-83.7% | $80,959-68.7% |
| Participation rate | 11.1% | 66.3%-55.2pp | 78.2%-67.1pp | 67.7%-56.6pp |
| Annual return | -68.72% | 33.39%-102.1pp | 64.84%-133.6pp | 35.67%-104.4pp |
| Employer contribution / active EE | $0 | $3,106-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,328 | $3,455-32.6% | $5,631-58.6% | $4,300-45.9% |
| Admin fee / account holder | $12,865 | $7,994+60.9% | $15,885-19.0% | $6,925+85.8% |