Filed April 10, 2026
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,268 | $82,674-46.5% | $125,381-64.7% | $68,486-35.4% |
| Participation rate | 34.4% | 75.1%-40.6pp | 82.4%-48.0pp | 67.9%-33.5pp |
| Annual return | -21.03% | -5.97%-15.1pp | 572.31%-593.3pp | -7.85%-13.2pp |
| Employer contribution / active EE | $388 | $3,382-88.5% | $4,815-91.9% | $2,597-85.0% |
| Participant deferral / active EE | $3,117 | $6,111-49.0% | $7,448-58.1% | $4,028-22.6% |
| Admin fee / account holder | $6,776 | $6,277+8.0% | $10,007-32.3% | $5,404+25.4% |