Filed November 13, 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 | $25,723 | $91,198-71.8% | $178,503-85.6% | $79,856-67.8% |
| Participation rate | 35.7% | 69.2%-33.5pp | 81.9%-46.2pp | 69.6%-33.9pp |
| Annual return | 4.28% | 24.20%-19.9pp | 151.12%-146.8pp | 31.71%-27.4pp |
| Employer contribution / active EE | $0 | $3,257-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,011 | $3,237-7.0% | $5,202-42.1% | $3,741-19.5% |
| Admin fee / account holder | $19,066 | $6,748+182.5% | $13,987+36.3% | $5,306+259.3% |