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.
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 | $26,088 | $223,823-88.3% | $211,142-87.6% | $154,746-83.1% |
| Participation rate | 58.3% | 87.9%-29.5pp | 87.3%-29.0pp | 80.7%-22.4pp |
| Annual return | 8.76% | 50.39%-41.6pp | 46.84%-38.1pp | 172.34%-163.6pp |
| Employer contribution / active EE | $2,668 | $6,787-60.7% | $6,442-58.6% | $4,379-39.1% |
| Participant deferral / active EE | $1,478 | $9,750-84.8% | $9,284-84.1% | $6,730-78.0% |
| Admin fee / account holder | $30,410 | $19,707+54.3% | $19,076+59.4% | $14,365+111.7% |