Filed December 22, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,158 | $81,276-53.1% | $155,574-75.5% | $80,925-52.8% |
| Participation rate | 23.0% | 66.2%-43.3pp | 78.2%-55.3pp | 67.7%-44.7pp |
| Annual return | 8.41% | 33.36%-25.0pp | 64.87%-56.5pp | 35.65%-27.2pp |
| Employer contribution / active EE | $240 | $3,103-92.3% | $4,676-94.9% | $2,756-91.3% |
| Participant deferral / active EE | $962 | $3,453-72.1% | $5,629-82.9% | $4,299-77.6% |
| Admin fee / account holder | $11,480 | $7,993+43.6% | $15,914-27.9% | $6,940+65.4% |