Filed October 15, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $53,446 | $202,345-73.6% | $172,755-69.1% | $152,885-65.0% |
| Participation rate | 66.7% | 87.1%-20.4pp | 82.6%-16.0pp | 82.5%-15.8pp |
| Annual return | 16.26% | 1029.77%-1013.5pp | 802.94%-786.7pp | 345.39%-329.1pp |
| Employer contribution / active EE | $1,821 | $5,858-68.9% | $5,144-64.6% | $4,763-61.8% |
| Participant deferral / active EE | $0 | $5,948-100.0% | $5,198-100.0% | $5,851-100.0% |
| Admin fee / account holder | $4,288 | $17,111-74.9% | $13,955-69.3% | $11,598-63.0% |