Filed November 4, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,320 | $72,273-56.7% | $101,275-69.1% | $79,856-60.8% |
| Participation rate | 33.8% | 68.5%-34.7pp | 75.8%-42.0pp | 69.6%-35.9pp |
| Annual return | 0.00% | 22.30%-22.3pp | 46.48%-46.5pp | 31.71%-31.7pp |
| Employer contribution / active EE | $1,103 | $2,691-59.0% | $3,660-69.9% | $2,471-55.4% |
| Participant deferral / active EE | $2,536 | $3,282-22.7% | $4,371-42.0% | $3,741-32.2% |
| Admin fee / account holder | $890 | $4,401-79.8% | $5,948-85.0% | $5,306-83.2% |