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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $73,817 | $185,905-60.3% | $170,057-56.6% | $139,487-47.1% |
| Participation rate | 68.8% | 87.8%-19.0pp | 87.0%-18.3pp | 80.3%-11.6pp |
| Annual return | 10.21% | 60.56%-50.4pp | 53.42%-43.2pp | 373.84%-363.6pp |
| Employer contribution / active EE | $1,696 | $7,597-77.7% | $6,790-75.0% | $4,755-64.3% |
| Participant deferral / active EE | $2,133 | $11,627-81.7% | $10,411-79.5% | $6,713-68.2% |
| Admin fee / account holder | $7,039 | $15,397-54.3% | $12,826-45.1% | $11,407-38.3% |