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 | $20,729 | $59,839-65.4% | $81,988-74.7% | $79,858-74.0% |
| Participation rate | 29.3% | 61.6%-32.3pp | 69.3%-39.9pp | 69.6%-40.3pp |
| Annual return | 20.40% | 17.56%+2.8pp | 41.31%-20.9pp | 31.72%-11.3pp |
| Employer contribution / active EE | $233 | $1,713-86.4% | $2,498-90.7% | $2,471-90.6% |
| Participant deferral / active EE | $1,570 | $2,695-41.8% | $3,722-57.8% | $3,740-58.0% |
| Admin fee / account holder | $1,557 | $4,287-63.7% | $5,665-72.5% | $5,306-70.6% |