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 | $81,945 | $122,258-33.0% | $199,883-59.0% | $64,097+27.8% |
| Participation rate | 63.4% | 79.0%-15.6pp | 86.8%-23.4pp | 55.2%+8.2pp |
| Annual return | 20.49% | 24.91%-4.4pp | 43.81%-23.3pp | 34.64%-14.1pp |
| Employer contribution / active EE | $2,923 | $4,242-31.1% | $6,261-53.3% | $1,891+54.6% |
| Participant deferral / active EE | $6,153 | $6,258-1.7% | $9,138-32.7% | $3,080+99.8% |
| Admin fee / account holder | $329 | $3,882-91.5% | $17,268-98.1% | $3,454-90.5% |