Filed May 6, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $62,311 | $81,487-23.5% | $102,412-39.2% | $80,935-23.0% |
| Participation rate | 44.7% | 66.8%-22.1pp | 74.5%-29.8pp | 67.7%-22.9pp |
| Annual return | 6.31% | 25.60%-19.3pp | 24.94%-18.6pp | 35.66%-29.3pp |
| Employer contribution / active EE | $2,040 | $3,103-34.3% | $3,870-47.3% | $2,757-26.0% |
| Participant deferral / active EE | $4,018 | $3,871+3.8% | $5,060-20.6% | $4,299-6.5% |
| Admin fee / account holder | $2,261 | $6,717-66.3% | $8,388-73.0% | $6,924-67.3% |