Filed October 31, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $118,366 | $146,267-19.1% | $197,124-40.0% | $82,448+43.6% |
| Participation rate | 69.4% | 84.0%-14.6pp | 86.7%-17.3pp | 68.1%+1.3pp |
| Annual return | 15.43% | 29.61%-14.2pp | 44.34%-28.9pp | 41.64%-26.2pp |
| Employer contribution / active EE | $925 | $4,723-80.4% | $6,227-85.1% | $2,551-63.7% |
| Participant deferral / active EE | $6,422 | $7,035-8.7% | $9,135-29.7% | $4,139+55.1% |
| Admin fee / account holder | $7,841 | $14,422-45.6% | $16,298-51.9% | $7,234+8.4% |