Filed April 21, 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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,039 | $53,774-27.4% | $134,162-70.9% | $79,856-51.1% |
| Participation rate | 58.6% | 58.8%-0.2pp | 72.2%-13.6pp | 69.6%-11.0pp |
| Annual return | 12.84% | 19.01%-6.2pp | 36.35%-23.5pp | 31.71%-18.9pp |
| Employer contribution / active EE | $856 | $1,322-35.2% | $3,705-76.9% | $2,471-65.4% |
| Participant deferral / active EE | $1,835 | $2,420-24.2% | $3,500-47.6% | $3,741-50.9% |
| Admin fee / account holder | $6,374 | $3,985+60.0% | $6,685-4.7% | $5,306+20.1% |