Filed April 16, 2026
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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 | $84,636 | $80,674+4.9% | $119,126-29.0% | $64,340+31.5% |
| Participation rate | 57.4% | 55.2%+2.2pp | 75.8%-18.4pp | 55.2%+2.1pp |
| Annual return | 16.88% | 26.86%-10.0pp | 282.11%-265.2pp | 24.14%-7.3pp |
| Employer contribution / active EE | $2,345 | $2,564-8.6% | $4,034-41.9% | $1,862+25.9% |
| Participant deferral / active EE | $4,590 | $3,053+50.3% | $5,318-13.7% | $2,980+54.0% |
| Admin fee / account holder | $6,979 | $4,559+53.1% | $10,693-34.7% | $3,703+88.5% |