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 | $14,519 | $125,797-88.5% | $170,057-91.5% | $75,177-80.7% |
| Participation rate | 55.3% | 83.6%-28.3pp | 87.0%-31.7pp | 67.2%-11.9pp |
| Annual return | 20.08% | 27.20%-7.1pp | 53.42%-33.3pp | 160.75%-140.7pp |
| Employer contribution / active EE | $0 | $4,616-100.0% | $6,790-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,732 | $6,838-74.7% | $10,411-83.4% | $4,126-58.0% |
| Admin fee / account holder | $3,139 | $8,177-61.6% | $12,826-75.5% | $5,651-44.5% |