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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,733 | $56,054-80.9% | $171,082-93.7% | $62,881-82.9% |
| Participation rate | 61.8% | 62.9%-1.1pp | 76.7%-14.9pp | 69.3%-7.5pp |
| Annual return | 7.34% | 22.52%-15.2pp | 32.56%-25.2pp | 20.14%-12.8pp |
| Employer contribution / active EE | $768 | $1,731-55.6% | $4,002-80.8% | $2,281-66.3% |
| Participant deferral / active EE | $1,310 | $3,158-58.5% | $4,797-72.7% | $3,203-59.1% |
| Admin fee / account holder | $566 | $3,647-84.5% | $8,520-93.4% | $4,296-86.8% |