Filed December 15, 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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,192 | $75,832-53.6% | $147,618-76.2% | $59,633-41.0% |
| Participation rate | 15.0% | 71.6%-56.6pp | 84.6%-69.6pp | 68.7%-53.7pp |
| Annual return | -1.37% | 0.37%-1.7pp | 61.98%-63.4pp | 2041.40%-2042.8pp |
| Employer contribution / active EE | $1,555 | $3,485-55.4% | $5,565-72.1% | $2,203-29.4% |
| Participant deferral / active EE | $930 | $3,131-70.3% | $4,895-81.0% | $3,192-70.9% |
| Admin fee / account holder | $329 | $5,986-94.5% | $11,612-97.2% | $4,297-92.3% |