Filed December 31, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $27,152 | $77,814-65.1% | $158,223-82.8% | $86,983-68.8% |
| Participation rate | 44.6% | 68.4%-23.8pp | 79.2%-34.6pp | 69.5%-24.9pp |
| Annual return | 10.45% | 30.54%-20.1pp | 52.09%-41.6pp | 25.83%-15.4pp |
| Employer contribution / active EE | $3,257 | $2,592+25.6% | $4,109-20.7% | $2,584+26.0% |
| Participant deferral / active EE | $0 | $3,270-100.0% | $5,467-100.0% | $4,194-100.0% |
| Admin fee / account holder | $735 | $5,879-87.5% | $16,047-95.4% | $7,856-90.6% |