Filed September 30, 2025
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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 | $26,572 | $127,689-79.2% | $146,866-81.9% | $65,191-59.2% |
| Participation rate | 20.6% | 68.4%-47.8pp | 82.5%-61.9pp | 63.0%-42.4pp |
| Annual return | 21.74% | 22.89%-1.1pp | 102.85%-81.1pp | 51.24%-29.5pp |
| Employer contribution / active EE | $266 | $4,150-93.6% | $4,425-94.0% | $2,400-88.9% |
| Participant deferral / active EE | $592 | $6,458-90.8% | $7,759-92.4% | $2,671-77.8% |
| Admin fee / account holder | $1,328 | $1,041+27.6% | $13,620-90.2% | $907+46.5% |