Filed September 4, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $84,418 | $56,544+49.3% | $75,501+11.8% | $70,126+20.4% |
| Participation rate | 55.6% | 68.1%-12.6pp | 72.4%-16.8pp | 69.5%-14.0pp |
| Annual return | 19.91% | 23.59%-3.7pp | 27.35%-7.4pp | 73.15%-53.2pp |
| Employer contribution / active EE | $12 | $1,817-99.3% | $2,352-99.5% | $2,343-99.5% |
| Participant deferral / active EE | $2,573 | $2,580-0.2% | $3,142-18.1% | $3,332-22.8% |
| Admin fee / account holder | $25,072 | $3,827+555.2% | $5,801+332.2% | $4,645+439.7% |