Filed October 30, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
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 | $4,022 | $81,504-95.1% | $102,437-96.1% | $80,959-95.0% |
| Participation rate | 31.6% | 66.9%-35.2pp | 74.5%-42.9pp | 67.7%-36.0pp |
| Annual return | 11.40% | 25.60%-14.2pp | 24.95%-13.5pp | 35.67%-24.3pp |
| Employer contribution / active EE | $824 | $3,104-73.5% | $3,871-78.7% | $2,757-70.1% |
| Participant deferral / active EE | $0 | $3,871-100.0% | $5,060-100.0% | $4,300-100.0% |
| Admin fee / account holder | $584 | $6,719-91.3% | $8,388-93.0% | $6,925-91.6% |