Filed April 11, 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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $101,602 | $52,580+93.2% | $71,671+41.8% | $70,126+44.9% |
| Participation rate | 28.1% | 60.9%-32.8pp | 68.7%-40.6pp | 69.5%-41.4pp |
| Annual return | 14.15% | 20.25%-6.1pp | 20.65%-6.5pp | 73.15%-59.0pp |
| Employer contribution / active EE | $0 | $1,616-100.0% | $2,460-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,654 | $2,386-30.7% | $3,438-51.9% | $3,332-50.3% |
| Admin fee / account holder | $20,151 | $3,653+451.7% | $5,558+262.5% | $4,645+333.8% |