Filed July 7, 2026
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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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $145,311 | $58,714+147.5% | $142,874+1.7% | $85,856+69.2% |
| Participation rate | 16.3% | 58.5%-42.2pp | 72.0%-55.7pp | 69.3%-53.0pp |
| Annual return | 13.80% | 27.73%-13.9pp | 5638.58%-5624.8pp | 318.58%-304.8pp |
| Employer contribution / active EE | $756 | $1,423-46.9% | $4,145-81.8% | $2,565-70.5% |
| Participant deferral / active EE | $1,781 | $2,608-31.7% | $3,838-53.6% | $3,952-54.9% |
| Admin fee / account holder | $7,922 | $4,241+86.8% | $6,561+20.8% | $6,261+26.5% |