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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,267 | $89,370-51.6% | $141,197-69.4% | $72,976-40.7% |
| Participation rate | 45.5% | 75.1%-29.7pp | 82.5%-37.0pp | 69.5%-24.0pp |
| Annual return | 4.98% | 111.88%-106.9pp | 71.41%-66.4pp | 81.02%-76.0pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,650 | $5,419-51.1% | $6,710-60.5% | $3,608-26.5% |
| Admin fee / account holder | $1,935 | $5,957-67.5% | $10,265-81.1% | $5,124-62.2% |