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 | $68,064 | $86,341-21.2% | $125,192-45.6% | $65,185+4.4% |
| Participation rate | 49.0% | 75.3%-26.3pp | 79.8%-30.8pp | 70.2%-21.2pp |
| Annual return | 23.36% | 27.44%-4.1pp | 43.79%-20.4pp | 29.38%-6.0pp |
| Employer contribution / active EE | $0 | $2,040-100.0% | $3,866-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $4,057 | $3,538+14.6% | $4,937-17.8% | $3,514+15.4% |
| Admin fee / account holder | $1,793 | $609+194.2% | $9,704-81.5% | $847+111.6% |