Filed August 4, 2025
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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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,268 | $48,327-74.6% | $67,575-81.8% | $80,935-84.8% |
| Participation rate | 32.0% | 66.4%-34.4pp | 72.9%-40.9pp | 67.7%-35.7pp |
| Annual return | 8.13% | 18.31%-10.2pp | 3528.98%-3520.9pp | 35.66%-27.5pp |
| Employer contribution / active EE | $0 | $2,022-100.0% | $2,736-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,933 | $2,927-34.0% | $4,003-51.7% | $4,299-55.0% |
| Admin fee / account holder | $678 | $3,692-81.6% | $3,993-83.0% | $6,924-90.2% |