Filed March 20, 2026
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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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,108 | $60,795-52.1% | $69,483-58.1% | $65,186-55.3% |
| Participation rate | 38.3% | 74.9%-36.6pp | 74.6%-36.3pp | 70.2%-31.9pp |
| Annual return | 20.64% | 17.46%+3.2pp | 28.99%-8.3pp | 29.39%-8.7pp |
| Employer contribution / active EE | $685 | $2,452-72.1% | $2,780-75.3% | $2,177-68.5% |
| Participant deferral / active EE | $1,021 | $3,162-67.7% | $3,537-71.1% | $3,514-71.0% |
| Admin fee / account holder | $1,240 | $314+295.3% | $3,841-67.7% | $847+46.4% |