Filed January 7, 2026
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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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,805 | $56,431-18.8% | $130,788-65.0% | $87,485-47.6% |
| Participation rate | 58.3% | 58.9%-0.6pp | 70.1%-11.8pp | 68.9%-10.6pp |
| Annual return | 23.38% | 91.27%-67.9pp | 386.44%-363.1pp | 26.06%-2.7pp |
| Employer contribution / active EE | $1,721 | $1,549+11.1% | $3,558-51.6% | $2,596-33.7% |
| Participant deferral / active EE | $6,634 | $2,749+141.3% | $4,137+60.4% | $4,274+55.2% |
| Admin fee / account holder | $2,917 | $4,433-34.2% | $6,673-56.3% | $7,775-62.5% |