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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $64,834 | $146,267-55.7% | $197,124-67.1% | $82,448-21.4% |
| Participation rate | 69.0% | 84.0%-15.1pp | 86.7%-17.7pp | 68.1%+0.9pp |
| Annual return | 12.97% | 29.61%-16.6pp | 44.34%-31.4pp | 41.64%-28.7pp |
| Employer contribution / active EE | $2,030 | $4,723-57.0% | $6,227-67.4% | $2,551-20.4% |
| Participant deferral / active EE | $2,515 | $7,035-64.3% | $9,135-72.5% | $4,139-39.2% |
| Admin fee / account holder | $15,220 | $14,422+5.5% | $16,298-6.6% | $7,234+110.4% |