Filed July 17, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,210 | $71,208-56.2% | $93,681-66.7% | $80,911-61.4% |
| Participation rate | 41.8% | 60.4%-18.6pp | 68.7%-26.9pp | 67.6%-25.9pp |
| Annual return | 11.03% | 11.27%-0.2pp | 133.47%-122.4pp | 35.63%-24.6pp |
| Employer contribution / active EE | $642 | $1,564-59.0% | $2,422-73.5% | $2,756-76.7% |
| Participant deferral / active EE | $1,183 | $4,035-70.7% | $4,415-73.2% | $4,297-72.5% |
| Admin fee / account holder | $1,617 | $6,951-76.7% | $8,290-80.5% | $6,935-76.7% |