Filed January 13, 2026
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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 | $59,359 | $94,529-37.2% | $140,019-57.6% | $64,173-7.5% |
| Participation rate | 42.9% | 84.1%-41.2pp | 87.5%-44.6pp | 69.6%-26.7pp |
| Annual return | 29.50% | 7.77%+21.7pp | 651.17%-621.7pp | 7.63%+21.9pp |
| Employer contribution / active EE | $0 | $3,812-100.0% | $5,605-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,483 | $5,250-52.7% | $6,927-64.2% | $3,470-28.4% |
| Admin fee / account holder | $8,634 | $6,741+28.1% | $10,705-19.3% | $4,887+76.7% |