Filed April 30, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,151 | $32,037+25.3% | $69,182-42.0% | $62,881-36.1% |
| Participation rate | 27.0% | 43.4%-16.4pp | 55.1%-28.1pp | 69.3%-42.3pp |
| Annual return | 4.35% | 15.16%-10.8pp | -21.93%+26.3pp | 20.14%-15.8pp |
| Employer contribution / active EE | $254 | $679-62.6% | $1,206-78.9% | $2,281-88.9% |
| Participant deferral / active EE | $1,463 | $1,185+23.4% | $1,897-22.9% | $3,203-54.3% |
| Admin fee / account holder | $13,007 | $2,608+398.7% | $2,697+382.3% | $4,296+202.8% |