Filed February 23, 2026
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $89,321 | $201,370-55.6% | $184,256-51.5% | $145,897-38.8% |
| Participation rate | 53.8% | 87.5%-33.6pp | 86.8%-33.0pp | 80.3%-26.5pp |
| Annual return | 9.73% | 29.05%-19.3pp | 28.85%-19.1pp | 552.29%-542.6pp |
| Employer contribution / active EE | $19,050 | $7,024+171.2% | $6,427+196.4% | $4,663+308.6% |
| Participant deferral / active EE | $0 | $9,808-100.0% | $9,133-100.0% | $6,689-100.0% |
| Admin fee / account holder | $1,501 | $16,364-90.8% | $13,899-89.2% | $13,390-88.8% |