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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $7,671 | $54,541-85.9% | $78,778-90.3% | $70,126-89.1% |
| Participation rate | 37.5% | 60.8%-23.3pp | 69.2%-31.7pp | 69.5%-32.0pp |
| Annual return | 35.45% | 21.07%+14.4pp | 35.62%-0.2pp | 73.15%-37.7pp |
| Employer contribution / active EE | $997 | $1,089-8.4% | $1,986-49.8% | $2,343-57.4% |
| Participant deferral / active EE | $1,079 | $2,210-51.2% | $2,958-63.5% | $3,332-67.6% |
| Admin fee / account holder | $379 | $3,709-89.8% | $5,134-92.6% | $4,645-91.8% |