Filed August 19, 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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,838 | $45,109-69.3% | $85,240-83.8% | $77,762-82.2% |
| Participation rate | 10.7% | 48.7%-38.0pp | 67.5%-56.9pp | 70.6%-59.9pp |
| Annual return | 12.69% | 79.55%-66.9pp | 66.75%-54.1pp | 31.27%-18.6pp |
| Employer contribution / active EE | $706 | $1,602-55.9% | $2,735-74.2% | $2,728-74.1% |
| Participant deferral / active EE | $0 | $2,814-100.0% | $4,527-100.0% | $4,651-100.0% |
| Admin fee / account holder | $1,462 | $915+59.8% | $6,165-76.3% | $433+237.7% |