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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,882 | $73,863-79.9% | $143,797-89.7% | $68,490-78.3% |
| Participation rate | 27.5% | 66.7%-39.2pp | 80.3%-52.8pp | 67.9%-40.4pp |
| Annual return | -21.91% | 0.91%-22.8pp | -0.04%-21.9pp | -7.85%-14.1pp |
| Employer contribution / active EE | $293 | $3,185-90.8% | $4,952-94.1% | $2,597-88.7% |
| Participant deferral / active EE | $1,163 | $3,385-65.7% | $5,638-79.4% | $4,028-71.1% |
| Admin fee / account holder | $1,563 | $5,756-72.8% | $14,679-89.4% | $5,403-71.1% |