Filed December 26, 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 | $81,945 | $128,603-36.3% | $197,124-58.4% | $67,986+20.5% |
| Participation rate | 63.4% | 81.7%-18.3pp | 86.7%-23.3pp | 57.2%+6.2pp |
| Annual return | 20.49% | 23.77%-3.3pp | 44.34%-23.9pp | 31.67%-11.2pp |
| Employer contribution / active EE | $2,923 | $4,379-33.2% | $6,227-53.1% | $2,019+44.8% |
| Participant deferral / active EE | $6,153 | $6,840-10.0% | $9,135-32.6% | $3,358+83.2% |
| Admin fee / account holder | $329 | $3,035-89.2% | $16,298-98.0% | $3,203-89.7% |