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 | $68,462 | $110,083-37.8% | $151,639-54.9% | $68,4860% |
| Participation rate | 49.2% | 84.0%-34.8pp | 87.5%-38.3pp | 67.9%-18.7pp |
| Annual return | -16.78% | -10.12%-6.7pp | 3.34%-20.1pp | -7.85%-8.9pp |
| Employer contribution / active EE | $2,312 | $4,470-48.3% | $6,165-62.5% | $2,597-11.0% |
| Participant deferral / active EE | $4,744 | $6,526-27.3% | $8,363-43.3% | $4,028+17.8% |
| Admin fee / account holder | $371 | $7,718-95.2% | $11,613-96.8% | $5,404-93.1% |