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 | $44,080 | $98,776-55.4% | $149,745-70.6% | $79,856-44.8% |
| Participation rate | 51.4% | 75.8%-24.4pp | 82.5%-31.1pp | 69.6%-18.2pp |
| Annual return | 1.32% | 27.38%-26.1pp | 276.72%-275.4pp | 31.71%-30.4pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,877 | $5,681-49.4% | $6,843-58.0% | $3,741-23.1% |
| Admin fee / account holder | $1,286 | $6,053-78.8% | $9,312-86.2% | $5,306-75.8% |