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 | $44,980-69.2% | $85,063-83.7% | $77,692-82.2% |
| Participation rate | 10.7% | 48.6%-38.0pp | 67.5%-56.8pp | 70.6%-59.9pp |
| Annual return | 12.69% | 79.13%-66.4pp | 66.54%-53.8pp | 31.25%-18.6pp |
| Employer contribution / active EE | $706 | $1,607-56.0% | $2,727-74.1% | $2,726-74.1% |
| Participant deferral / active EE | $0 | $2,804-100.0% | $4,523-100.0% | $4,648-100.0% |
| Admin fee / account holder | $1,462 | $911+60.4% | $6,155-76.2% | $431+239.6% |