Filed December 27, 2025 (most recent of 2 filings on file)
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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 | $64,496 | $48,277+33.6% | $67,511-4.5% | $80,874-20.3% |
| Participation rate | 58.8% | 66.4%-7.6pp | 72.9%-14.1pp | 67.6%-8.8pp |
| Annual return | 15.10% | 18.27%-3.2pp | 3517.41%-3502.3pp | 35.62%-20.5pp |
| Employer contribution / active EE | $1,711 | $2,021-15.3% | $2,733-37.4% | $2,756-37.9% |
| Participant deferral / active EE | $5,335 | $2,926+82.3% | $4,000+33.4% | $4,297+24.2% |
| Admin fee / account holder | $25,030 | $3,687+578.8% | $3,999+525.9% | $6,935+260.9% |