Filed February 4, 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 | $38,110 | $41,377-7.9% | $109,313-65.1% | $62,881-39.4% |
| Participation rate | 35.6% | 57.5%-21.9pp | 71.3%-35.7pp | 69.3%-33.7pp |
| Annual return | 7.58% | 11.05%-3.5pp | 22.07%-14.5pp | 20.14%-12.6pp |
| Employer contribution / active EE | $703 | $1,276-44.9% | $3,892-81.9% | $2,281-69.2% |
| Participant deferral / active EE | $1,415 | $2,045-30.8% | $3,166-55.3% | $3,203-55.8% |
| Admin fee / account holder | $872 | $2,884-69.8% | $5,666-84.6% | $4,296-79.7% |