Filed July 1, 2025
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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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,315 | $47,479-90.9% | $62,929-93.1% | $82,448-94.8% |
| Participation rate | 27.5% | 66.9%-39.4pp | 73.1%-45.6pp | 68.1%-40.6pp |
| Annual return | 24.19% | 20.34%+3.8pp | 1063.93%-1039.7pp | 41.64%-17.5pp |
| Employer contribution / active EE | $241 | $1,885-87.2% | $2,505-90.4% | $2,551-90.5% |
| Participant deferral / active EE | $895 | $2,870-68.8% | $3,888-77.0% | $4,139-78.4% |
| Admin fee / account holder | $417 | $3,804-89.0% | $5,065-91.8% | $7,234-94.2% |