Filed November 23, 2025
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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 | $65,447 | $71,192-8.1% | $117,861-44.5% | $62,293+5.1% |
| Participation rate | 35.0% | 74.2%-39.3pp | 79.7%-44.7pp | 69.5%-34.6pp |
| Annual return | 13.99% | 18.66%-4.7pp | 335.11%-321.1pp | 28.90%-14.9pp |
| Employer contribution / active EE | $0 | $1,934-100.0% | $3,786-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $2,555 | $3,189-19.9% | $4,482-43.0% | $3,169-19.4% |
| Admin fee / account holder | $8,485 | $587+1344.9% | $8,021+5.8% | $479+1670.2% |