Filed July 18, 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 | $30,595 | $95,406-67.9% | $185,849-83.5% | $85,847-64.4% |
| Participation rate | 19.2% | 68.8%-49.5pp | 81.7%-62.5pp | 69.3%-50.1pp |
| Annual return | 12.65% | 23.59%-10.9pp | 122.10%-109.4pp | 318.61%-306.0pp |
| Employer contribution / active EE | -$67 | $3,314-102.0% | $5,169-101.3% | $2,565-102.6% |
| Participant deferral / active EE | $0 | $3,424-100.0% | $5,569-100.0% | $3,952-100.0% |
| Admin fee / account holder | $3,007 | $7,214-58.3% | $16,244-81.5% | $6,261-52.0% |