Filed June 12, 2025
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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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $54,305 | $75,541-28.1% | $152,093-64.3% | $82,637-34.3% |
| Participation rate | 29.0% | 66.5%-37.5pp | 77.8%-48.7pp | 68.1%-39.0pp |
| Annual return | 16.49% | 32.56%-16.1pp | 66.36%-49.9pp | 53.51%-37.0pp |
| Employer contribution / active EE | $0 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,803 | $3,206-12.6% | $5,451-48.6% | $4,126-32.1% |
| Admin fee / account holder | $3,746 | $6,405-41.5% | $14,497-74.2% | $7,339-49.0% |