Filed October 27, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $56,628 | $62,409-9.3% | $120,368-53.0% | $74,546-24.0% |
| Participation rate | 34.0% | 56.8%-22.8pp | 71.9%-37.9pp | 67.2%-33.2pp |
| Annual return | 7.77% | 18.62%-10.9pp | 107.26%-99.5pp | 1366.03%-1358.3pp |
| Employer contribution / active EE | $681 | $1,847-63.1% | $3,465-80.3% | $2,624-74.1% |
| Participant deferral / active EE | $1,642 | $2,888-43.2% | $4,991-67.1% | $4,347-62.2% |
| Admin fee / account holder | $7,710 | $2,394+222.1% | $9,429-18.2% | $1,944+296.7% |