Filed November 13, 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 | $34,581 | $46,732-26.0% | $156,551-77.9% | $55,167-37.3% |
| Participation rate | 32.7% | 65.8%-33.1pp | 84.0%-51.3pp | 69.0%-36.3pp |
| Annual return | 6.39% | 17.72%-11.3pp | 32.23%-25.8pp | 169.23%-162.8pp |
| Employer contribution / active EE | $581 | $2,105-72.4% | $5,501-89.4% | $1,963-70.4% |
| Participant deferral / active EE | $997 | $2,204-54.8% | $4,871-79.5% | $3,054-67.4% |
| Admin fee / account holder | $2,584 | $418+517.7% | $13,028-80.2% | $504+412.8% |