Filed January 20, 2026
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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 | $40,824 | $183,516-77.8% | $155,534-73.8% | $145,884-72.0% |
| Participation rate | 5.9% | 82.7%-76.8pp | 78.2%-72.3pp | 80.3%-74.4pp |
| Annual return | 15.72% | 61.43%-45.7pp | 64.92%-49.2pp | 551.85%-536.1pp |
| Employer contribution / active EE | $0 | $5,315-100.0% | $4,675-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $1,353 | $6,467-79.1% | $5,630-76.0% | $6,690-79.8% |
| Admin fee / account holder | $5,968 | $19,293-69.1% | $15,900-62.5% | $13,392-55.4% |