Filed April 17, 2026
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $81,591 | $81,504+0.1% | $102,437-20.4% | $80,959+0.8% |
| Participation rate | 33.3% | 66.9%-33.5pp | 74.5%-41.2pp | 67.7%-34.3pp |
| Annual return | 8.21% | 25.60%-17.4pp | 24.95%-16.7pp | 35.67%-27.5pp |
| Employer contribution / active EE | $208 | $3,104-93.3% | $3,871-94.6% | $2,757-92.4% |
| Participant deferral / active EE | $2,028 | $3,871-47.6% | $5,060-59.9% | $4,300-52.8% |
| Admin fee / account holder | $5,238 | $6,719-22.0% | $8,388-37.6% | $6,925-24.4% |