Filed May 6, 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 | $59,285 | $41,377+43.3% | $109,313-45.8% | $62,881-5.7% |
| Participation rate | 31.3% | 57.5%-26.3pp | 71.3%-40.0pp | 69.3%-38.1pp |
| Annual return | -1.50% | 11.05%-12.6pp | 22.07%-23.6pp | 20.14%-21.6pp |
| Employer contribution / active EE | $1,037 | $1,276-18.7% | $3,892-73.4% | $2,281-54.5% |
| Participant deferral / active EE | $2,941 | $2,045+43.8% | $3,166-7.1% | $3,203-8.2% |
| Admin fee / account holder | $731 | $2,884-74.7% | $5,666-87.1% | $4,296-83.0% |