Filed January 16, 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.)
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 | $10,845 | $64,176-83.1% | $112,249-90.3% | $66,938-83.8% |
| Participation rate | 33.3% | 68.4%-35.1pp | 75.1%-41.7pp | 69.8%-36.5pp |
| Annual return | 0.00% | -13.80%+13.8pp | 27.48%-27.5pp | 1.58%-1.6pp |
| Employer contribution / active EE | $1,375 | $3,007-54.3% | $3,636-62.2% | $2,545-46.0% |
| Participant deferral / active EE | $2,534 | $3,694-31.4% | $4,729-46.4% | $4,238-40.2% |
| Admin fee / account holder | $1,529 | $626+144.2% | $6,412-76.2% | $594+157.5% |