Filed April 25, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $7,700 | $84,236-90.9% | $170,439-95.5% | $70,124-89.0% |
| Participation rate | 47.4% | 70.8%-23.5pp | 83.6%-36.2pp | 69.5%-22.2pp |
| Annual return | 19.42% | 23.06%-3.6pp | 205.94%-186.5pp | 73.14%-53.7pp |
| Employer contribution / active EE | $940 | $3,387-72.2% | $5,433-82.7% | $2,342-59.9% |
| Participant deferral / active EE | $3 | $3,086-99.9% | $4,939-99.9% | $3,332-99.9% |
| Admin fee / account holder | $360 | $5,698-93.7% | $13,881-97.4% | $4,645-92.3% |