Filed March 30, 2026
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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 | $56,001 | $48,078+16.5% | $78,676-28.8% | $62,881-10.9% |
| Participation rate | 57.9% | 65.2%-7.3pp | 73.6%-15.7pp | 69.3%-11.4pp |
| Annual return | -2.00% | 31.36%-33.4pp | 62.19%-64.2pp | 20.14%-22.1pp |
| Employer contribution / active EE | $0 | $2,015-100.0% | $2,850-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,884 | $2,587+50.1% | $3,517+10.4% | $3,203+21.2% |
| Admin fee / account holder | $1,442 | $3,206-55.0% | $4,510-68.0% | $4,296-66.4% |