Filed April 22, 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 | $725 | $36,767-98.0% | $81,473-99.1% | $62,293-98.8% |
| Participation rate | 50.0% | 54.4%-4.4pp | 68.0%-18.0pp | 69.5%-19.5pp |
| Annual return | 14.75% | 173.80%-159.1pp | 38.78%-24.0pp | 28.90%-14.2pp |
| Employer contribution / active EE | $0 | $1,128-100.0% | $2,568-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $542 | $2,111-74.3% | $3,537-84.7% | $3,169-82.9% |
| Admin fee / account holder | $1,253 | $797+57.2% | $4,561-72.5% | $479+161.4% |