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 | $75,541-64.1% | $152,093-82.1% | $82,637-67.1% |
| Participation rate | 44.6% | 66.5%-21.9pp | 77.8%-33.2pp | 68.1%-23.5pp |
| Annual return | 10.45% | 32.56%-22.1pp | 66.36%-55.9pp | 53.51%-43.1pp |
| Employer contribution / active EE | $3,257 | $2,622+24.2% | $4,175-22.0% | $2,552+27.6% |
| Participant deferral / active EE | $0 | $3,206-100.0% | $5,451-100.0% | $4,126-100.0% |
| Admin fee / account holder | $735 | $6,405-88.5% | $14,497-94.9% | $7,339-90.0% |