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.)
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 | $12,037 | $47,163-74.5% | $149,696-92.0% | $74,460-83.8% |
| Participation rate | 9.9% | 63.4%-53.5pp | 78.8%-68.9pp | 70.7%-60.8pp |
| Annual return | 13.24% | 22.75%-9.5pp | 134.46%-121.2pp | 34.38%-21.1pp |
| Employer contribution / active EE | $0 | $1,907-100.0% | $4,821-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $690 | $2,730-74.7% | $5,682-87.9% | $4,530-84.8% |
| Admin fee / account holder | $2,837 | $343+727.2% | $13,212-78.5% | $348+715.6% |