Filed December 15, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $55,474 | $84,236-34.1% | $170,439-67.5% | $70,124-20.9% |
| Participation rate | 37.5% | 70.8%-33.3pp | 83.6%-46.1pp | 69.5%-32.0pp |
| Annual return | 13.93% | 23.06%-9.1pp | 205.94%-192.0pp | 73.14%-59.2pp |
| Employer contribution / active EE | $959 | $3,387-71.7% | $5,433-82.4% | $2,342-59.1% |
| Participant deferral / active EE | $770 | $3,086-75.0% | $4,939-84.4% | $3,332-76.9% |
| Admin fee / account holder | $2,774 | $5,698-51.3% | $13,881-80.0% | $4,645-40.3% |