Filed September 9, 2025
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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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,817 | $49,280-67.9% | $67,313-76.5% | $64,173-75.4% |
| Participation rate | 27.1% | 60.8%-33.7pp | 69.1%-42.0pp | 69.6%-42.5pp |
| Annual return | -4.23% | -1.39%-2.8pp | -4.08%-0.1pp | 7.63%-11.9pp |
| Employer contribution / active EE | $200 | $1,668-88.0% | $2,566-92.2% | $2,381-91.6% |
| Participant deferral / active EE | $1,088 | $2,484-56.2% | $3,568-69.5% | $3,470-68.7% |
| Admin fee / account holder | $7,555 | $3,863+95.6% | $4,507+67.6% | $4,887+54.6% |