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 | $73,974 | $58,391+26.7% | $76,667-3.5% | $72,976+1.4% |
| Participation rate | 61.6% | 67.4%-5.7pp | 72.1%-10.5pp | 69.5%-7.9pp |
| Annual return | 21.49% | 2306.65%-2285.2pp | 1166.74%-1145.2pp | 81.02%-59.5pp |
| Employer contribution / active EE | $0 | $1,787-100.0% | $2,303-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,802 | $2,690+4.2% | $3,336-16.0% | $3,608-22.3% |
| Admin fee / account holder | $20,632 | $4,014+413.9% | $6,423+221.2% | $5,124+302.6% |