Filed January 19, 2026
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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 | $83,958 | $209,336-59.9% | $197,124-57.4% | $137,256-38.8% |
| Participation rate | 45.0% | 87.3%-42.3pp | 86.7%-41.7pp | 80.0%-35.0pp |
| Annual return | 13.47% | 48.09%-34.6pp | 44.34%-30.9pp | 220.34%-206.9pp |
| Employer contribution / active EE | $1,469 | $6,591-77.7% | $6,227-76.4% | $4,156-64.6% |
| Participant deferral / active EE | $1,864 | $9,614-80.6% | $9,135-79.6% | $6,407-70.9% |
| Admin fee / account holder | $4,490 | $17,308-74.1% | $16,298-72.5% | $12,270-63.4% |