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 | $84,964 | $63,082+34.7% | $81,726+4.0% | $79,856+6.4% |
| Participation rate | 62.9% | 67.5%-4.6pp | 72.0%-9.1pp | 69.6%-6.7pp |
| Annual return | 23.48% | 22.66%+0.8pp | 29.49%-6.0pp | 31.71%-8.2pp |
| Employer contribution / active EE | $0 | $1,795-100.0% | $4,311-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,792 | $2,780+0.4% | $7,108-60.7% | $3,741-25.4% |
| Admin fee / account holder | $4,819 | $4,428+8.8% | $5,160-6.6% | $5,306-9.2% |