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 | $81,262-75.8% | $155,602-87.3% | $80,911-75.7% |
| Participation rate | 31.1% | 66.2%-35.1pp | 78.2%-47.1pp | 67.6%-36.5pp |
| Annual return | 28.30% | 33.34%-5.0pp | 64.81%-36.5pp | 35.63%-7.3pp |
| Employer contribution / active EE | $3,316 | $3,102+6.9% | $4,675-29.1% | $2,756+20.3% |
| Participant deferral / active EE | $749 | $3,451-78.3% | $5,629-86.7% | $4,297-82.6% |
| Admin fee / account holder | $6,417 | $7,992-19.7% | $15,923-59.7% | $6,935-7.5% |