Filed March 25, 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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,815 | $39,798-85.4% | $67,704-91.4% | $59,633-90.2% |
| Participation rate | 15.7% | 57.4%-41.7pp | 67.5%-51.8pp | 68.7%-53.0pp |
| Annual return | -33.15% | 89.94%-123.1pp | 25.41%-58.6pp | 2041.45%-2074.6pp |
| Employer contribution / active EE | $163 | $1,393-88.3% | $2,559-93.7% | $2,203-92.6% |
| Participant deferral / active EE | $561 | $2,335-76.0% | $3,585-84.3% | $3,192-82.4% |
| Admin fee / account holder | $2,232 | $3,212-30.5% | $4,255-47.5% | $4,297-48.0% |