Filed September 11, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $52,568 | $64,729-18.8% | $112,263-53.2% | $68,490-23.2% |
| Participation rate | 59.6% | 67.2%-7.6pp | 75.1%-15.5pp | 67.9%-8.3pp |
| Annual return | -22.40% | -11.40%-11.0pp | 27.49%-49.9pp | -7.85%-14.5pp |
| Employer contribution / active EE | $1,604 | $2,746-41.6% | $3,636-55.9% | $2,597-38.2% |
| Participant deferral / active EE | $2,708 | $3,566-24.1% | $4,729-42.7% | $4,028-32.8% |
| Admin fee / account holder | $7,986 | $5,222+52.9% | $6,410+24.6% | $5,403+47.8% |