Filed November 7, 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.
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,228 | $64,705-44.0% | $62,929-42.4% | $67,986-46.7% |
| Participation rate | 34.6% | 65.6%-31.0pp | 73.1%-38.6pp | 57.2%-22.6pp |
| Annual return | 9.16% | 20.31%-11.1pp | 1063.93%-1054.8pp | 31.67%-22.5pp |
| Employer contribution / active EE | $651 | $2,376-72.6% | $2,505-74.0% | $2,019-67.7% |
| Participant deferral / active EE | $1,309 | $3,198-59.1% | $3,888-66.3% | $3,358-61.0% |
| Admin fee / account holder | $5,978 | $1,428+318.6% | $5,065+18.0% | $3,203+86.6% |