Filed October 9, 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 | $36,680 | $41,377-11.4% | $109,313-66.4% | $62,881-41.7% |
| Participation rate | 58.4% | 57.5%+0.9pp | 71.3%-12.8pp | 69.3%-10.9pp |
| Annual return | 7.90% | 11.05%-3.1pp | 22.07%-14.2pp | 20.14%-12.2pp |
| Employer contribution / active EE | $1,301 | $1,276+1.9% | $3,892-66.6% | $2,281-43.0% |
| Participant deferral / active EE | $2,530 | $2,045+23.7% | $3,166-20.1% | $3,203-21.0% |
| Admin fee / account holder | $3,805 | $2,884+31.9% | $5,666-32.9% | $4,296-11.4% |