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 | $65,084-44.3% | $67,681-46.5% | $64,340-43.7% |
| Participation rate | 34.6% | 66.7%-32.2pp | 73.7%-39.2pp | 55.2%-20.7pp |
| Annual return | 9.16% | 20.50%-11.3pp | 590.58%-581.4pp | 24.14%-15.0pp |
| Employer contribution / active EE | $651 | $2,398-72.8% | $2,678-75.7% | $1,862-65.0% |
| Participant deferral / active EE | $1,309 | $3,210-59.2% | $3,976-67.1% | $2,980-56.1% |
| Admin fee / account holder | $5,978 | $1,415+322.5% | $6,100-2.0% | $3,703+61.5% |