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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,947 | $64,729-8.9% | $112,263-47.5% | $68,490-13.9% |
| Participation rate | 30.1% | 67.2%-37.0pp | 75.1%-44.9pp | 67.9%-37.8pp |
| Annual return | -14.02% | -11.40%-2.6pp | 27.49%-41.5pp | -7.85%-6.2pp |
| Employer contribution / active EE | $177 | $2,746-93.6% | $3,636-95.1% | $2,597-93.2% |
| Participant deferral / active EE | $2,284 | $3,566-36.0% | $4,729-51.7% | $4,028-43.3% |
| Admin fee / account holder | $11,517 | $5,222+120.6% | $6,410+79.7% | $5,403+113.2% |