Filed April 22, 2026
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,900 | $82,133-69.7% | $147,318-83.1% | $64,097-61.2% |
| Participation rate | 28.4% | 62.3%-33.8pp | 82.1%-53.6pp | 55.2%-26.7pp |
| Annual return | 14.56% | 78.78%-64.2pp | 70.43%-55.9pp | 34.64%-20.1pp |
| Employer contribution / active EE | $90 | $2,872-96.9% | $4,593-98.0% | $1,891-95.2% |
| Participant deferral / active EE | $1,296 | $5,407-76.0% | $7,906-83.6% | $3,080-57.9% |
| Admin fee / account holder | $1,933 | $3,730-48.2% | $13,708-85.9% | $3,454-44.0% |