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 | $47,479+128.6% | $62,929+72.4% | $82,448+31.6% |
| Participation rate | 35.1% | 66.9%-31.8pp | 73.1%-38.0pp | 68.1%-33.0pp |
| Annual return | 11.64% | 20.34%-8.7pp | 1063.93%-1052.3pp | 41.64%-30.0pp |
| Employer contribution / active EE | $3,129 | $1,885+66.0% | $2,505+24.9% | $2,551+22.7% |
| Participant deferral / active EE | $3,538 | $2,870+23.3% | $3,888-9.0% | $4,139-14.5% |
| Admin fee / account holder | $22,398 | $3,804+488.9% | $5,065+342.3% | $7,234+209.6% |