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 | $57,065+47.9% | $75,670+11.6% | $70,131+20.4% |
| Participation rate | 55.6% | 68.1%-12.5pp | 72.3%-16.8pp | 69.5%-14.0pp |
| Annual return | 19.91% | 23.57%-3.7pp | 27.34%-7.4pp | 73.14%-53.2pp |
| Employer contribution / active EE | $12 | $1,817-99.3% | $2,352-99.5% | $2,342-99.5% |
| Participant deferral / active EE | $2,573 | $2,580-0.2% | $3,142-18.1% | $3,332-22.8% |
| Admin fee / account holder | $25,072 | $3,825+555.5% | $5,800+332.3% | $4,645+439.7% |