Filed May 6, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $103,630 | $81,504+27.1% | $102,437+1.2% | $80,959+28.0% |
| Participation rate | 42.1% | 66.9%-24.7pp | 74.5%-32.4pp | 67.7%-25.6pp |
| Annual return | 9.36% | 25.60%-16.2pp | 24.95%-15.6pp | 35.67%-26.3pp |
| Employer contribution / active EE | $3,245 | $3,104+4.5% | $3,871-16.2% | $2,757+17.7% |
| Participant deferral / active EE | $4,670 | $3,871+20.7% | $5,060-7.7% | $4,300+8.6% |
| Admin fee / account holder | $36,839 | $6,719+448.2% | $8,388+339.2% | $6,925+431.9% |