Filed September 30, 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 | $45,891 | $182,442-74.8% | $163,379-71.9% | $138,895-67.0% |
| Participation rate | 50.0% | 79.8%-29.8pp | 76.8%-26.8pp | 79.9%-29.9pp |
| Annual return | 15.10% | 72.74%-57.6pp | 63.41%-48.3pp | 145.39%-130.3pp |
| Employer contribution / active EE | $8,531 | $4,159+105.1% | $3,752+127.3% | $4,194+103.4% |
| Participant deferral / active EE | $10,402 | $6,817+52.6% | $6,282+65.6% | $6,396+62.6% |
| Admin fee / account holder | $1,839 | $10,396-82.3% | $9,818-81.3% | $12,562-85.4% |