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 | $52,433 | $50,947+2.9% | $74,549-29.7% | $64,173-18.3% |
| Participation rate | 51.0% | 61.1%-10.0pp | 69.1%-18.1pp | 69.6%-18.5pp |
| Annual return | -7.10% | -1.85%-5.3pp | 32.53%-39.6pp | 7.63%-14.7pp |
| Employer contribution / active EE | $741 | $1,115-33.5% | $1,961-62.2% | $2,381-68.9% |
| Participant deferral / active EE | $1,287 | $2,302-44.1% | $3,108-58.6% | $3,470-62.9% |
| Admin fee / account holder | $4,520 | $4,221+7.1% | $5,059-10.7% | $4,887-7.5% |