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 | $63,433-42.9% | $63,803-43.2% | $64,097-43.5% |
| Participation rate | 34.6% | 65.0%-30.5pp | 72.7%-38.1pp | 55.2%-20.6pp |
| Annual return | 9.16% | 20.74%-11.6pp | 543.72%-534.6pp | 34.64%-25.5pp |
| Employer contribution / active EE | $651 | $2,332-72.1% | $2,532-74.3% | $1,891-65.6% |
| Participant deferral / active EE | $1,309 | $3,119-58.0% | $3,843-65.9% | $3,080-57.5% |
| Admin fee / account holder | $5,978 | $1,489+301.4% | $5,196+15.0% | $3,454+73.1% |