Filed March 5, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,259 | $145,431-80.6% | $211,142-86.6% | $87,485-67.7% |
| Participation rate | 56.1% | 84.7%-28.7pp | 87.3%-31.2pp | 68.9%-12.8pp |
| Annual return | 15.62% | 27.21%-11.6pp | 46.84%-31.2pp | 26.06%-10.4pp |
| Employer contribution / active EE | $0 | $4,662-100.0% | $6,442-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,568 | $6,859-62.6% | $9,284-72.3% | $4,274-39.9% |
| Admin fee / account holder | $718 | $17,052-95.8% | $19,076-96.2% | $7,775-90.8% |