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 | $63,631 | $53,546+18.8% | $69,890-9.0% | $68,490-7.1% |
| Participation rate | 64.6% | 64.5%+0.1pp | 70.5%-5.9pp | 67.9%-3.3pp |
| Annual return | -8.76% | -13.87%+5.1pp | 190.84%-199.6pp | -7.85%-0.9pp |
| Employer contribution / active EE | $74 | $2,019-96.3% | $2,560-97.1% | $2,597-97.1% |
| Participant deferral / active EE | $3,185 | $2,957+7.7% | $3,848-17.2% | $4,028-20.9% |
| Admin fee / account holder | $14,311 | $4,693+205.0% | $6,267+128.4% | $5,403+164.9% |