Filed July 17, 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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,057 | $45,566-9.9% | $64,105-36.0% | $59,633-31.2% |
| Participation rate | 57.0% | 60.2%-3.2pp | 68.2%-11.2pp | 68.7%-11.7pp |
| Annual return | -1.42% | 4.95%-6.4pp | 791.24%-792.7pp | 2041.40%-2042.8pp |
| Employer contribution / active EE | $670 | $934-28.3% | $1,820-63.2% | $2,203-69.6% |
| Participant deferral / active EE | $1,271 | $2,057-38.2% | $2,822-55.0% | $3,192-60.2% |
| Admin fee / account holder | $2,662 | $3,268-18.5% | $4,499-40.8% | $4,297-38.1% |