Filed February 10, 2026
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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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,727 | $54,763-20.2% | $90,324-51.6% | $72,976-40.1% |
| Participation rate | 11.8% | 65.2%-53.4pp | 73.3%-61.5pp | 69.5%-57.7pp |
| Annual return | 19.92% | 30.63%-10.7pp | 78.15%-58.2pp | 81.02%-61.1pp |
| Employer contribution / active EE | $76 | $2,093-96.4% | $2,856-97.4% | $2,440-96.9% |
| Participant deferral / active EE | $967 | $2,887-66.5% | $3,885-75.1% | $3,608-73.2% |
| Admin fee / account holder | $310 | $3,973-92.2% | $5,356-94.2% | $5,124-94.0% |