Filed January 20, 2026
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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 | $18,516 | $63,346-70.8% | $92,240-79.9% | $70,126-73.6% |
| Participation rate | 34.5% | 68.7%-34.1pp | 76.5%-41.9pp | 69.5%-35.0pp |
| Annual return | 21.09% | 530.19%-509.1pp | 176.29%-155.2pp | 73.15%-52.1pp |
| Employer contribution / active EE | $599 | $2,471-75.8% | $3,680-83.7% | $2,343-74.4% |
| Participant deferral / active EE | $2,313 | $2,854-19.0% | $3,897-40.7% | $3,332-30.6% |
| Admin fee / account holder | $2,025 | $3,841-47.3% | $5,194-61.0% | $4,645-56.4% |