Filed July 22, 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 | $71,647 | $111,535-35.8% | $105,223-31.9% | $137,256-47.8% |
| Participation rate | 58.3% | 78.1%-19.8pp | 75.0%-16.7pp | 80.0%-21.6pp |
| Annual return | 17.95% | 237.85%-219.9pp | 180.65%-162.7pp | 220.34%-202.4pp |
| Employer contribution / active EE | $2,121 | $3,939-46.2% | $3,689-42.5% | $4,156-49.0% |
| Participant deferral / active EE | $3,351 | $5,500-39.1% | $5,072-33.9% | $6,407-47.7% |
| Admin fee / account holder | $28,272 | $9,721+190.8% | $8,859+219.1% | $12,270+130.4% |