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 | $52,589 | $78,682-33.2% | $109,188-51.8% | $85,851-38.7% |
| Participation rate | 53.6% | 68.3%-14.7pp | 75.9%-22.3pp | 69.3%-15.7pp |
| Annual return | 9.24% | 25.09%-15.8pp | 25.76%-16.5pp | 318.63%-309.4pp |
| Employer contribution / active EE | $986 | $2,734-63.9% | $3,723-73.5% | $2,565-61.6% |
| Participant deferral / active EE | $3,324 | $3,468-4.1% | $4,654-28.6% | $3,952-15.9% |
| Admin fee / account holder | $1,032 | $5,470-81.1% | $6,755-84.7% | $6,261-83.5% |