Filed June 17, 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 | $64,834 | $145,431-55.4% | $211,142-69.3% | $87,485-25.9% |
| Participation rate | 69.0% | 84.7%-15.8pp | 87.3%-18.3pp | 68.9%0pp |
| Annual return | 12.97% | 27.21%-14.2pp | 46.84%-33.9pp | 26.06%-13.1pp |
| Employer contribution / active EE | $2,030 | $4,662-56.5% | $6,442-68.5% | $2,596-21.8% |
| Participant deferral / active EE | $2,515 | $6,859-63.3% | $9,284-72.9% | $4,274-41.2% |
| Admin fee / account holder | $15,220 | $17,052-10.7% | $19,076-20.2% | $7,775+95.8% |