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 | $44,579 | $77,638-42.6% | $156,551-71.5% | $62,881-29.1% |
| Participation rate | 14.6% | 71.2%-56.6pp | 84.0%-69.4pp | 69.3%-54.7pp |
| Annual return | 8.44% | 50.33%-41.9pp | 32.23%-23.8pp | 20.14%-11.7pp |
| Employer contribution / active EE | $1,016 | $3,444-70.5% | $5,501-81.5% | $2,281-55.5% |
| Participant deferral / active EE | $904 | $3,046-70.3% | $4,871-81.4% | $3,203-71.8% |
| Admin fee / account holder | $492 | $5,561-91.2% | $13,028-96.2% | $4,296-88.5% |