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 | $145,431-18.6% | $211,142-43.9% | $87,485+35.3% |
| Participation rate | 69.4% | 84.7%-15.3pp | 87.3%-17.9pp | 68.9%+0.5pp |
| Annual return | 15.43% | 27.21%-11.8pp | 46.84%-31.4pp | 26.06%-10.6pp |
| Employer contribution / active EE | $925 | $4,662-80.2% | $6,442-85.6% | $2,596-64.4% |
| Participant deferral / active EE | $6,422 | $6,859-6.4% | $9,284-30.8% | $4,274+50.3% |
| Admin fee / account holder | $7,841 | $17,052-54.0% | $19,076-58.9% | $7,775+0.9% |