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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,379 | $87,059-54.8% | $105,608-62.7% | $80,925-51.3% |
| Participation rate | 14.7% | 70.4%-55.7pp | 75.3%-60.6pp | 67.7%-53.0pp |
| Annual return | 10.88% | 17.05%-6.2pp | 116.50%-105.6pp | 35.65%-24.8pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,167-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $621 | $3,986-84.4% | $5,010-87.6% | $4,299-85.5% |
| Admin fee / account holder | $2,090 | $8,443-75.3% | $11,028-81.1% | $6,940-69.9% |