Filed May 29, 2026
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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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $212,416 | $95,453+122.5% | $112,040+89.6% | $82,448+157.6% |
| Participation rate | 47.2% | 72.8%-25.6pp | 76.5%-29.3pp | 68.1%-20.9pp |
| Annual return | 12.06% | 23.92%-11.9pp | 24.52%-12.5pp | 41.64%-29.6pp |
| Employer contribution / active EE | $423 | $2,318-81.7% | $2,954-85.7% | $2,551-83.4% |
| Participant deferral / active EE | $3,475 | $4,224-17.7% | $5,098-31.8% | $4,139-16.0% |
| Admin fee / account holder | $19,156 | $9,013+112.5% | $12,098+58.3% | $7,234+164.8% |