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 | $122,042-46.1% | $184,243-64.3% | $74,429-11.6% |
| Participation rate | 67.6% | 85.5%-17.8pp | 86.8%-19.2pp | 67.2%+0.4pp |
| Annual return | 19.52% | 19.91%-0.4pp | 28.82%-9.3pp | 1368.38%-1348.9pp |
| Employer contribution / active EE | $2,779 | $4,538-38.8% | $6,427-56.8% | $2,625+5.9% |
| Participant deferral / active EE | $5,628 | $7,143-21.2% | $9,132-38.4% | $4,348+29.4% |
| Admin fee / account holder | $2,480 | $1,252+98.0% | $13,914-82.2% | $1,944+27.5% |