Filed November 25, 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 | $18,527 | $49,025-62.2% | $87,502-78.8% | $62,881-70.5% |
| Participation rate | 39.5% | 64.9%-25.3pp | 73.8%-34.3pp | 69.3%-29.8pp |
| Annual return | 6.65% | 10.02%-3.4pp | 12.21%-5.6pp | 20.14%-13.5pp |
| Employer contribution / active EE | $0 | $1,372-100.0% | $2,550-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,316 | $2,289-42.5% | $3,149-58.2% | $3,203-58.9% |
| Admin fee / account holder | $998 | $4,065-75.5% | $4,221-76.4% | $4,296-76.8% |