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 | $48,337+33.4% | $67,560-4.5% | $80,959-20.3% |
| Participation rate | 58.8% | 66.4%-7.6pp | 72.9%-14.1pp | 67.7%-8.8pp |
| Annual return | 15.10% | 18.26%-3.2pp | 3533.50%-3518.4pp | 35.67%-20.6pp |
| Employer contribution / active EE | $1,711 | $2,023-15.4% | $2,737-37.5% | $2,757-37.9% |
| Participant deferral / active EE | $5,335 | $2,928+82.2% | $4,004+33.2% | $4,300+24.1% |
| Admin fee / account holder | $25,030 | $3,695+577.3% | $3,994+526.7% | $6,925+261.4% |