Filed September 4, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $44,616 | $56,438-20.9% | $76,902-42.0% | $71,529-37.6% |
| Participation rate | 64.1% | 64.3%-0.2pp | 69.6%-5.5pp | 67.9%-3.9pp |
| Annual return | 14.35% | 19.05%-4.7pp | 37.91%-23.6pp | 28.97%-14.6pp |
| Employer contribution / active EE | $0 | $1,864-100.0% | $2,534-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $3,320 | $3,136+5.9% | $3,833-13.4% | $4,291-22.6% |
| Admin fee / account holder | $29,915 | $1,430+1991.6% | $5,479+446.0% | $1,588+1783.2% |