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 | $61,048 | $135,956-55.1% | $123,894-50.7% | $273,972-77.7% |
| Participation rate | 61.5% | 84.1%-22.5pp | 81.4%-19.9pp | 83.0%-21.5pp |
| Annual return | 7.26% | 56.63%-49.4pp | 47.52%-40.3pp | 41.46%-34.2pp |
| Employer contribution / active EE | $2,125 | $5,170-58.9% | $4,617-54.0% | $4,869-56.4% |
| Participant deferral / active EE | $4,618 | $6,343-27.2% | $5,984-22.8% | $5,287-12.7% |
| Admin fee / account holder | $13,303 | $9,817+35.5% | $8,357+59.2% | $10,133+31.3% |