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 | $62,933 | $109,359-42.5% | $162,177-61.2% | $72,975-13.8% |
| Participation rate | 43.6% | 84.3%-40.7pp | 87.6%-44.0pp | 69.5%-25.9pp |
| Annual return | 28.33% | 25.46%+2.9pp | 115.60%-87.3pp | 81.01%-52.7pp |
| Employer contribution / active EE | $1,489 | $3,907-61.9% | $5,613-73.5% | $2,440-39.0% |
| Participant deferral / active EE | $3,691 | $5,481-32.7% | $7,297-49.4% | $3,608+2.3% |
| Admin fee / account holder | $1,910 | $7,972-76.0% | $10,843-82.4% | $5,124-62.7% |