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 | $4,549 | $42,383-89.3% | $76,518-94.1% | $64,173-92.9% |
| Participation rate | 39.5% | 58.1%-18.6pp | 68.0%-28.5pp | 69.6%-30.0pp |
| Annual return | 0.00% | -16.54%+16.5pp | -0.27%+0.3pp | 7.63%-7.6pp |
| Employer contribution / active EE | $2,973 | $1,563+90.2% | $2,647+12.3% | $2,381+24.9% |
| Participant deferral / active EE | $0 | $2,566-100.0% | $3,836-100.0% | $3,470-100.0% |
| Admin fee / account holder | $698 | $3,198-78.2% | $4,849-85.6% | $4,887-85.7% |