Filed November 19, 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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,428 | $49,177-21.9% | $79,467-51.6% | $64,173-40.1% |
| Participation rate | 44.1% | 65.0%-20.9pp | 73.3%-29.2pp | 69.6%-25.5pp |
| Annual return | 5.52% | -1.16%+6.7pp | 718.30%-712.8pp | 7.63%-2.1pp |
| Employer contribution / active EE | $0 | $2,076-100.0% | $2,800-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,476 | $2,821-47.7% | $3,704-60.1% | $3,470-57.5% |
| Admin fee / account holder | $16,482 | $3,839+329.4% | $5,104+222.9% | $4,887+237.2% |