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 | $71,230-56.2% | $93,727-66.7% | $80,959-61.4% |
| Participation rate | 41.8% | 60.4%-18.6pp | 68.7%-26.9pp | 67.7%-25.9pp |
| Annual return | 11.03% | 11.26%-0.2pp | 133.83%-122.8pp | 35.67%-24.6pp |
| Employer contribution / active EE | $642 | $1,565-59.0% | $2,421-73.5% | $2,757-76.7% |
| Participant deferral / active EE | $1,183 | $4,037-70.7% | $4,417-73.2% | $4,300-72.5% |
| Admin fee / account holder | $1,617 | $6,961-76.8% | $8,292-80.5% | $6,925-76.7% |