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 | $53,338 | $51,466+3.6% | $78,778-32.3% | $62,293-14.4% |
| Participation rate | 47.5% | 59.8%-12.3pp | 69.2%-21.7pp | 69.5%-22.0pp |
| Annual return | 16.21% | 19.96%-3.7pp | 35.62%-19.4pp | 28.90%-12.7pp |
| Employer contribution / active EE | $648 | $827-21.7% | $1,986-67.4% | $2,042-68.3% |
| Participant deferral / active EE | $1,208 | $2,147-43.7% | $2,958-59.2% | $3,169-61.9% |
| Admin fee / account holder | $4,115 | $489+740.9% | $5,134-19.9% | $479+758.4% |