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 | $35,803 | $110,083-67.5% | $151,639-76.4% | $68,486-47.7% |
| Participation rate | 69.6% | 84.0%-14.3pp | 87.5%-17.8pp | 67.9%+1.7pp |
| Annual return | -16.28% | -10.12%-6.2pp | 3.34%-19.6pp | -7.85%-8.4pp |
| Employer contribution / active EE | $798 | $4,470-82.1% | $6,165-87.1% | $2,597-69.3% |
| Participant deferral / active EE | $3,980 | $6,526-39.0% | $8,363-52.4% | $4,028-1.2% |
| Admin fee / account holder | $4,900 | $7,718-36.5% | $11,613-57.8% | $5,404-9.3% |