Filed November 13, 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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $83,953 | $50,464+66.4% | $75,784+10.8% | $52,331+60.4% |
| Participation rate | 32.3% | 66.8%-34.5pp | 75.8%-43.5pp | 68.1%-35.8pp |
| Annual return | 4.03% | 1.03%+3.0pp | 9.68%-5.6pp | 4.54%-0.5pp |
| Employer contribution / active EE | $0 | $1,988-100.0% | $3,323-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $1,561 | $2,570-39.3% | $3,652-57.3% | $3,022-48.4% |
| Admin fee / account holder | $8,907 | $1,103+707.6% | $5,300+68.1% | $592+1405.6% |