Filed March 18, 2025
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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.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,780 | $81,208-69.5% | $98,920-74.9% | $79,856-69.0% |
| Participation rate | 26.9% | 72.5%-45.6pp | 76.0%-49.1pp | 69.6%-42.7pp |
| Annual return | 8.83% | 60.99%-52.2pp | 196.47%-187.6pp | 31.71%-22.9pp |
| Employer contribution / active EE | $0 | $1,960-100.0% | $2,689-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $363 | $3,265-88.9% | $4,245-91.5% | $3,741-90.3% |
| Admin fee / account holder | $584 | $6,013-90.3% | $6,643-91.2% | $5,306-89.0% |