Filed September 3, 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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,686 | $81,331-75.8% | $155,534-87.3% | $80,935-75.7% |
| Participation rate | 31.1% | 66.3%-35.1pp | 78.2%-47.1pp | 67.7%-36.6pp |
| Annual return | 28.30% | 33.37%-5.1pp | 64.92%-36.6pp | 35.66%-7.4pp |
| Employer contribution / active EE | $3,316 | $3,105+6.8% | $4,675-29.1% | $2,757+20.3% |
| Participant deferral / active EE | $749 | $3,454-78.3% | $5,630-86.7% | $4,299-82.6% |
| Admin fee / account holder | $6,417 | $7,999-19.8% | $15,900-59.6% | $6,924-7.3% |