Filed September 8, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $50,949 | $81,446-37.4% | $103,374-50.7% | $80,874-37.0% |
| Participation rate | 0.0% | 66.9%-66.9pp | 74.5%-74.5pp | 67.6%-67.6pp |
| Annual return | 8.39% | 25.57%-17.2pp | 24.89%-16.5pp | 35.62%-27.2pp |
| Employer contribution / active EE | $3,519 | $3,107+13.3% | $3,869-9.1% | $2,756+27.7% |
| Participant deferral / active EE | $4,039 | $3,870+4.4% | $5,058-20.1% | $4,297-6.0% |
| Admin fee / account holder | $1,439 | $6,715-78.6% | $8,394-82.9% | $6,935-79.2% |