Filed September 25, 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 | $108,517 | $55,457+95.7% | $77,361+40.3% | $94,015+15.4% |
| Participation rate | 35.1% | 69.8%-34.7pp | 75.0%-39.9pp | 70.8%-35.7pp |
| Annual return | 11.64% | 15.57%-3.9pp | 1011.54%-999.9pp | 17.84%-6.2pp |
| Employer contribution / active EE | $3,129 | $2,255+38.8% | $2,990+4.6% | $2,790+12.1% |
| Participant deferral / active EE | $3,538 | $3,069+15.3% | $3,911-9.5% | $4,249-16.7% |
| Admin fee / account holder | $22,398 | $4,334+416.8% | $5,894+280.1% | $8,951+150.2% |