Filed November 25, 2025
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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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,897 | $53,596-68.5% | $90,657-81.4% | $64,173-73.7% |
| Participation rate | 51.3% | 64.5%-13.2pp | 74.0%-22.7pp | 69.6%-18.3pp |
| Annual return | -6.09% | 4.41%-10.5pp | 1.89%-8.0pp | 7.63%-13.7pp |
| Employer contribution / active EE | $586 | $1,503-61.0% | $2,532-76.8% | $2,381-75.4% |
| Participant deferral / active EE | $755 | $2,459-69.3% | $3,424-78.0% | $3,470-78.2% |
| Admin fee / account holder | $1,578 | $3,868-59.2% | $4,994-68.4% | $4,887-67.7% |