Filed August 12, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,088 | $209,336-87.5% | $197,124-86.8% | $137,256-81.0% |
| Participation rate | 58.3% | 87.3%-29.0pp | 86.7%-28.4pp | 80.0%-21.6pp |
| Annual return | 8.76% | 48.09%-39.3pp | 44.34%-35.6pp | 220.34%-211.6pp |
| Employer contribution / active EE | $2,668 | $6,591-59.5% | $6,227-57.2% | $4,156-35.8% |
| Participant deferral / active EE | $1,478 | $9,614-84.6% | $9,135-83.8% | $6,407-76.9% |
| Admin fee / account holder | $30,410 | $17,308+75.7% | $16,298+86.6% | $12,270+147.8% |