Filed July 29, 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 | $47,425 | $100,060-52.6% | $149,721-68.3% | $70,126-32.4% |
| Participation rate | 69.5% | 83.6%-14.1pp | 87.1%-17.6pp | 69.5%0pp |
| Annual return | 16.99% | 27.46%-10.5pp | 1501.67%-1484.7pp | 73.15%-56.2pp |
| Employer contribution / active EE | $922 | $3,661-74.8% | $5,444-83.1% | $2,343-60.6% |
| Participant deferral / active EE | $2,630 | $4,982-47.2% | $6,568-60.0% | $3,332-21.1% |
| Admin fee / account holder | $4,477 | $8,285-46.0% | $11,282-60.3% | $4,645-3.6% |