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 | $20,185 | $65,034-69.0% | $90,970-77.8% | $79,856-74.7% |
| Participation rate | 40.0% | 61.6%-21.6pp | 69.0%-29.0pp | 69.6%-29.6pp |
| Annual return | 19.57% | 30.45%-10.9pp | 134.60%-115.0pp | 31.71%-12.1pp |
| Employer contribution / active EE | $623 | $1,247-50.1% | $2,122-70.6% | $2,471-74.8% |
| Participant deferral / active EE | $1,314 | $2,512-47.7% | $3,373-61.0% | $3,741-64.9% |
| Admin fee / account holder | $331 | $4,536-92.7% | $5,961-94.4% | $5,306-93.8% |