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 | $142,972-80.2% | $214,702-86.8% | $86,983-67.5% |
| Participation rate | 56.1% | 84.9%-28.8pp | 87.5%-31.4pp | 69.5%-13.4pp |
| Annual return | 15.62% | 18.49%-2.9pp | 54.55%-38.9pp | 25.83%-10.2pp |
| Employer contribution / active EE | $0 | $4,635-100.0% | $6,461-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $2,568 | $6,568-60.9% | $9,147-71.9% | $4,194-38.8% |
| Admin fee / account holder | $718 | $17,617-95.9% | $19,830-96.4% | $7,856-90.9% |