Filed March 6, 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.
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,582 | $50,919-71.4% | $155,556-90.6% | $77,762-81.2% |
| Participation rate | 10.2% | 63.1%-52.9pp | 78.2%-68.1pp | 70.6%-60.4pp |
| Annual return | 36.54% | 34.84%+1.7pp | 64.84%-28.3pp | 31.27%+5.3pp |
| Employer contribution / active EE | $0 | $1,991-100.0% | $4,675-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $567 | $2,824-79.9% | $5,631-89.9% | $4,651-87.8% |
| Admin fee / account holder | $2,547 | $437+483.1% | $15,885-84.0% | $433+488.3% |