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 | $27,173 | $63,861-57.4% | $104,639-74.0% | $79,856-66.0% |
| Participation rate | 41.9% | 64.9%-23.1pp | 74.1%-32.2pp | 69.6%-27.8pp |
| Annual return | 14.20% | 21.30%-7.1pp | 340.67%-326.5pp | 31.71%-17.5pp |
| Employer contribution / active EE | $0 | $1,588-100.0% | $2,682-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,146 | $2,693-57.5% | $3,738-69.4% | $3,741-69.4% |
| Admin fee / account holder | $658 | $4,185-84.3% | $6,465-89.8% | $5,306-87.6% |