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 | $121,671-32.7% | $211,142-61.2% | $64,340+27.4% |
| Participation rate | 63.4% | 76.5%-13.0pp | 87.3%-23.9pp | 55.2%+8.2pp |
| Annual return | 20.49% | 21.43%-0.9pp | 46.84%-26.3pp | 24.14%-3.7pp |
| Employer contribution / active EE | $2,923 | $4,066-28.1% | $6,442-54.6% | $1,862+57.0% |
| Participant deferral / active EE | $6,153 | $6,049+1.7% | $9,284-33.7% | $2,980+106.5% |
| Admin fee / account holder | $329 | $4,774-93.1% | $19,076-98.3% | $3,703-91.1% |