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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $7,522 | $100,041-92.5% | $149,718-95.0% | $70,131-89.3% |
| Participation rate | 45.2% | 83.6%-38.4pp | 87.1%-41.9pp | 69.5%-24.4pp |
| Annual return | 5.63% | 27.43%-21.8pp | 1501.67%-1496.0pp | 73.14%-67.5pp |
| Employer contribution / active EE | $0 | $3,662-100.0% | $5,445-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $518 | $4,983-89.6% | $6,569-92.1% | $3,332-84.5% |
| Admin fee / account holder | $6,792 | $8,286-18.0% | $11,283-39.8% | $4,645+46.2% |