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 | $65,829 | $122,051-46.1% | $184,185-64.3% | $74,400-11.5% |
| Participation rate | 67.6% | 85.5%-17.8pp | 86.8%-19.2pp | 67.2%+0.4pp |
| Annual return | 19.52% | 19.91%-0.4pp | 28.81%-9.3pp | 1367.51%-1348.0pp |
| Employer contribution / active EE | $2,779 | $4,539-38.8% | $6,426-56.8% | $2,624+5.9% |
| Participant deferral / active EE | $5,628 | $7,146-21.2% | $9,132-38.4% | $4,348+29.4% |
| Admin fee / account holder | $2,480 | $1,258+97.1% | $13,909-82.2% | $1,944+27.6% |