Filed July 1, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $22,894 | $51,184-55.3% | $66,439-65.5% | $86,983-73.7% |
| Participation rate | 37.6% | 68.5%-30.9pp | 74.5%-36.9pp | 69.5%-31.9pp |
| Annual return | -10.34% | 17.07%-27.4pp | 757.66%-768.0pp | 25.83%-36.2pp |
| Employer contribution / active EE | $425 | $2,023-79.0% | $2,637-83.9% | $2,584-83.6% |
| Participant deferral / active EE | $953 | $2,927-67.4% | $3,876-75.4% | $4,194-77.3% |
| Admin fee / account holder | $1,430 | $4,154-65.6% | $6,173-76.8% | $7,856-81.8% |