Filed February 10, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,446 | $65,434-33.6% | $98,483-55.9% | $85,847-49.4% |
| Participation rate | 17.0% | 65.0%-48.0pp | 73.3%-56.3pp | 69.3%-52.3pp |
| Annual return | 9.55% | 21.75%-12.2pp | 1494.38%-1484.8pp | 318.61%-309.1pp |
| Employer contribution / active EE | $245 | $2,169-88.7% | $2,961-91.7% | $2,565-90.4% |
| Participant deferral / active EE | $343 | $3,168-89.2% | $4,276-92.0% | $3,952-91.3% |
| Admin fee / account holder | $3,123 | $4,595-32.0% | $5,953-47.5% | $6,261-50.1% |